Wells Fargo Active Cash vs Bilt Mastercard®

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Earns Transferable Points

Trip Protections

Primary Car Rental CDW Waiver

No Foreign Transaction Fees

Cell Phone Protection

Wells Fargo Active Cash

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 19.74%-24.74% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 12 months, 19.74%-24.74% thereafter)

Ongoing APR

19.74%-24.74% (Variable)

Balance transfers fees

3% for 120 days from account opening, then up to 5%, min: $5

Best Multiplier

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Get $200 when you spend $1,000 within 3 months.

Rating

(0) Our Review

Review

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Unique Card Benefits

Earns Transferable Points

Trip Protections

Primary Car Rental CDW Waiver

No Foreign Transaction Fees

Cell Phone Protection

Bilt Mastercard®

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

3x Dining Out / Food Delivery

2x Airfare

2x Car Rentals

2x Hotels

2x Cruises

1x Rent

Avg. Point Value
(Learn More)

$0.018

Bonus Offer

There's no traditional bonus offer, but you'll be eligible for Rent Day double points on the 1st of every month (excluding rent).

Rating

(4.13) Our Review

Review

What is Bilt?

The Bilt Mastercard® is the only credit card that lets you pay your rent with no transaction fees and earn one point per dollar in the process.

This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases each statement period.

Alaska Airlines – a Bilt Rewards Transfer Partner (Image Courtesy: Alaska Airlines)

Bilt Transfer Partners

Bilt Transfer Partners	All transfer at a 1:1 ratio except ALL. Transfer times below:
Alaska Airlines MileagePlan	TBD
Aer Lingus Avios	Within 10 minutes
Air Canada Aeroplan	Within 10 minutes
Air France Flying Blue	Within 10 minutes
Avianca Lifemiles	Within 10 minutes
British Airways Avios	Within 10 minutes
Cathay Pacific AsiaMiles	Within 10 minutes
Emirates Skywards	Within 10 minutes
Iberia Avios	Within 10 minutes
IHG Rewards	Within 10 minutes
Marriott Bonvoy	Up to 48 hours; generally within minutes. (5,000 point bonus when you transfer 20,000).
United Airlines MileagePlus	Within 10 minutes
Turkish Airlines Miles&Smiles	Within 10 minutes
TAP Miles&Go	TBD
Virgin Points	Within 10 minutes
World of Hyatt	Within 10 minutes
Accor Live Limitless (ALL)	TBD - Note, transfer is 3:2

Rent Day

On the 1st of every month, Bilt Rewards has “Rent Day” – where you’ll earn double points on dining, travel and other purchases excluding rent and tax payments (up to 1,000 bonus points each Rent Day) on that one day.

On Rent Day, they also have other bonuses and giveaways, which may include status trials on an airline or hotel partner or a points transfer bonus.

Summary

Overall, this card is pretty much a “must have” for renters, since there is no other way to earn points – with no transaction fees – when paying your rent.

There is also no annual fee to hold the card and no Foreign Transaction Fees.

I have one myself and don’t see any reason for any renter not to have it.

Disclaimers

Rates and Fees

Unique Card Benefits

yes

Earns Transferable Points

yes

Trip Protections

yes

Primary Car Rental CDW Waiver

yes

No Foreign Transaction Fees

yes

Cell Phone Protection

yes