Bilt’s massive day has arrived, and the window has opened for Bilt Rewards customers to pick a new Bilt Card 2.0 for his or her pockets.
The outdated Bilt Mastercard from Wells Fargo is on its manner out, and three new Bilt card choices are in the marketplace with new welcome offers to gather precious Bilt Factors and Bilt Cash. You may solely earn one welcome provide throughout all of Bilt’s merchandise in a lifetime, so it is essential to choose the suitable one for you:
- Bilt Blue Card (see rates and fees; $0 annual payment): Obtain $100 in Bilt Money upon approval. Plus, if you happen to apply by means of TPG and are authorized, you can even earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors).
- Bilt Obsidian Card (see rates and fees; $95 annual payment): Obtain $200 in Bilt Money upon approval. Plus, if you happen to apply by means of TPG and are authorized, you can even earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors).
- Bilt Palladium Card (see rates and fees; $495 annual payment): Earn 50,000 bonus factors and Bilt Gold standing after spending $4,000 on purchases within the first three months from account opening and obtain $300 in Bilt Money upon approval. Plus, if you happen to apply by means of TPG and are authorized, you can even earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors).
The knowledge for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
The premium Bilt Palladium Card gives an exceptionally valuable welcome provide. When you’re capable of spend $10,000 to maximise the bonus, you will earn 100,000 Bilt factors, which (when mixed with the $300 in Bilt Money) gives as much as $2,500 in worth, per TPG’s January 2026 valuations.
With a suggestion this precious, you will need to know the principles — and we have you lined, together with different ceaselessly requested questions concerning the new playing cards, your outdated card and what comes subsequent.
Listed below are the solutions we’ve got.
Who’s eligible to use for a brand new Bilt card and earn a welcome bonus?
Each cardholders who’ve the outdated Bilt Mastercard and new candidates who’ve by no means had the Bilt Mastercard are eligible to use for one of many new Bilt Card 2.0 choices and earn a welcome bonus.
Will I be capable to earn a welcome bonus on a number of Bilt playing cards?
No. The Bilt Card 2.0 suite is rolling out with a one bonus per lifetime coverage throughout all three of its card choices. This implies you may solely earn one bonus on one Bilt card in your lifetime.
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If I’ve the outdated Bilt Mastercard, am I eligible for the welcome bonus on a brand new Bilt card?
Sure. You can choose both the Bilt Blue Card, the Bilt Obsidian Card or the Bilt Palladium Card and earn that card’s welcome bonus — even if you happen to already maintain the outdated Bilt Mastercard.
You can transition to your new Bilt Card 2.0 seamlessly so long as you choose a brand new card by Jan. 30. Your Wells Fargo Bilt Mastercard stops working Feb. 6, and your new Bilt Card 2.0 card will probably be prepared to make use of Feb. 7.
Associated: Key dates and deadlines for current Bilt Mastercard holders as Bilt transitions to new card options
Can I apply for a number of Bilt playing cards on the identical time?
No. You may solely be the first cardholder on one Bilt card account, so you are not capable of maintain a number of Bilt playing cards or apply for greater than one of many Bilt Card 2.0 choices without delay.
Nonetheless, you may be added as an authorized user on one other Bilt card account.
Can I add licensed customers to my Bilt card account?
Sure. You may add as much as 5 licensed customers immediately within the Bilt app. These licensed customers will obtain their very own card quantity and be capable to observe bills individually.
Right here is the worth charged per licensed consumer, relying on which Bilt card you maintain:
When you had licensed customers in your outdated Wells Fargo-backed Bilt Mastercard, it is essential to notice that you will have to re-add them to your new Bilt Card 2.0 account.
Do I have to cancel my outdated Bilt Mastercard?
When you select to transition to a brand new Bilt Card 2.0, you will have the power to switch any steadiness out of your Wells Fargo account. You might also select to have Bilt shut your Wells Fargo card account in your behalf.
When you select to not transition to a brand new Bilt Card 2.0, your outdated Bilt Mastercard from Wells Fargo will transition to a Wells Fargo Autograph® Card (see rates and fees) with a unique card quantity.
You will not earn Bilt factors on the Autograph. As an alternative, you will earn Wells Fargo Rewards points.
To be taught extra concerning the Wells Fargo Autograph, learn our full review.
Associated: You can earn Bilt Rewards points when shopping online through Rakuten
Backside line
Bilt Rewards is rolling out three new playing cards that earn Bilt factors and Bilt Money, and these three playing cards include some probably profitable welcome affords you will not need to miss out on.
Make sure to go over the cardboard particulars and eligibility to make sure you’re incomes the very best provide on your distinctive state of affairs.
Apply right here: Bilt Blue Card
Apply right here: Bilt Obsidian Card
Apply right here: Bilt Palladium Card