The original Bilt Mastercard is closed: Wells Fargo no longer accepts applications for it, so this page is now a record rather than a recommendation. If you came here for the rent earning, Bilt Blue is the current no-fee replacement, keeping up to 1.25x on rent along with 3x on Bilt Travel hotels and 3x on Lyft. Existing holders were largely moved into the Wells Fargo Autograph, which earns 3x on dining, travel, gas, transit, streaming, and phone bills with no annual fee. If you want more than the no-fee version offers, Bilt Obsidian is the $95 step up, adding a choice of 3x dining or groceries and elevated travel rates on top of the same rent earning. There is nothing to do here but pick the successor that matches your spending.
Earn rates & credits
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Bilt MastercardBased on 5 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.