Bilt Obsidian CardBilt Rewards
Terms checked 2026-10-26
Bilt's $95 middle tier: pick dining or groceries for 3x and keep earning on housing.
Special bonusAF: $95Rating: 7.9/10
Bilt Mastercard (Legacy)
By Alex Compton · Last verified
The Wells Fargo-era Bilt Mastercard is closed to new applicants; this page preserves its terms and offer history.
★ 8.5/10Bilt RewardspersonalBilt Points
DiscontinuedBest for: Renters
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · No FTF
Credit Score
700+
(Good-Excellent)
Common Questions
Is the Bilt Mastercard (Legacy) discontinued?
Yes. Closed to new applications and replaced by the Bilt Blue, Obsidian and Palladium cards. The Wells Fargo-era Bilt Mastercard is closed to new applicants; this page preserves its terms and offer history.
What can I use instead of the Bilt Mastercard (Legacy)?
The closest open alternatives we track are the Bilt Obsidian Card, Bilt Palladium Card, Bilt Blue Card. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Bilt Mastercard (Legacy) is no longer open to new applicants. Compare these cards for a similar use.
Bilt Palladium CardBilt Rewards
Terms checked 2026-10-26
Bilt's premium play: 2x on everything, lounge access and the richest housing rewards.
50,000 pts bonus (≈$1,000)AF: $495Rating: 7.8/10
Bilt Blue CardBilt Rewards
Terms checked 2026-10-26
The free entry point to Bilt 2.0 and points on your rent or mortgage.
Special bonusAF: $0Rating: 7.4/10
Historical Offers Chart
Dated offer history for this discontinued product.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 0 | No recorded spend | Terms reconfirmedClosed to new applications and replaced by the three-card Bilt 2.0 lineup | Bilt Card 2.0 lineup → |
| 2026-01 | 0 | No recorded spend | Terms reconfirmedNo public welcome bonus; legacy Wells Fargo-era product | Archive record · no attached snapshot |
| 2022-01 | 0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Marked the original Wells Fargo-era Bilt Mastercard historical and preserved its old earning and five-transaction terms separately from the three current cards.
Fields: name, tagline, currentOffer, offerHistory, ourTake, applyUrl, discontinued, lastVerified
Bilt Card 2.0 lineup →
Historical record · spot an outdated offer? Report a correction above.
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Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xRent (no processing fee, up to 100k pts/yr)
- 3xDining
- 2xTravel
- 1xOther purchases (5 transactions/mo required)
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Rent Day promos (double points on the 1st)
- ✦Transfers to Hyatt, United, AA and more
- ✦Trip protections, no FTF
Why it earns its spot
- +Rent is most people's biggest unbonused expense
- +Hyatt + AA transfers on a no-fee card
Where it costs you
- −Must swipe 5x/month to earn
- −Program economics keep evolving, watch for changes
The Compound Verdict
This page is the historical record for the original Wells Fargo-era Bilt Mastercard. Its five-transaction rule and rent-earning structure should not be confused with Bilt's current Blue, Obsidian and Palladium cards, which use a different housing-rewards system.
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