We wanted to build a card that lets members earn meaningful rewards without an annual fee. With the Bilt Mastercard, you’ll earn 1X on rent payments (up to 100,000 points per calendar year), 2X on travel, 3X on dining, and 1X other purchases.* Plus, you’ll get access to benefits that are usually reserved for annual fee cards, like Trip Delay Reimbursement**, Cellular Telephone Protection***, and more.
In order to make these benefits available to you for no annual fee, we ask that you make a minimum of 5 transactions each statement period to earn points.
*When you make at least 5 transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases (purchases minus returns /credits) for that statement period. Rent: You'll earn 1 rewards point per $1 spent on rent paid through the Bilt App or website with your card account up to a maximum of One Hundred Thousand (100,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Rent payments can only be made to one rental property per month. Travel: 2 rewards points (1 base point plus 1 bonus point) are earned per $1 spent on qualifying net purchases made directly at retailers whose Merchant Code for Mastercard is classified as airlines, hotels, motels, resorts, cruise lines, and car rental agencies. Dining: 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on qualifying net purchases at retailers whose Merchant Code for Mastercard is classified as eating places and restaurants, drinking places, bakeries, or fast food restaurants. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points.The following purchases and transactions are excluded from earning bonus points: tax payments, third party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader or if you use a mobile or digital wallet. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other qualifying net purchases. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App or Website. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, Balance Transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, and casino gaming do not earn points. Refer to the Bilt World Elite Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details.
**Coverage provided by this benefit is secondary. Covers trip delay expenses incurred after the initial delay of six (6) hours when a trip delay is caused by an eligible reason. Coverage begins on the trip departure date and ends on the trip completion date. Eligible trip delay expenses are covered for you, your spouse or domestic partner and your dependent children traveling on the trip, when you charge the covered traveler’s common carrier fare to your eligible Wells Fargo credit card. For New York residents, your eligible Wells Fargo credit card must be used to pay for the expenses incurred during the delay. A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt World Elite Mastercard® Credit Card Guide to Benefits for details.
***Cellular Telephone Protection can reimburse the Bilt World Elite Mastercard Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with a Bilt World Elite Mastercard Credit Card. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your Bilt World Elite Mastercard Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Bilt World Elite Mastercard Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection: refer to the Bilt World Elite Mastercard® Credit Card Guide to Benefits.
Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your Bilt World Elite Mastercard® Credit Card to get up to $800 protection.