Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$0
Bilt World Elite Mastercard Review
This is a rewards card issued by Wells Fargo Bank. If you're wondering whether Bilt World Elite Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Bilt World Elite Mastercard has a variable regular purchase APR that ranges from 16.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Bilt World Elite Mastercard charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Bilt Mastercard
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Bilt Mastercard FAQ
Does Bilt Mastercard have a cash back or rewards program?
Bilt Mastercard is a rewards card.
| Description |
Does Bilt Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Bilt Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Bilt Mastercard benefits?
Bilt World Elite Mastercard provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Bilt Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Bilt World Elite Mastercard has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR of 24.24% .
Does Bilt Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Bilt Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Bilt Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Bilt Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Bilt Mastercard?
The customer service number for Bilt Mastercard is (800) 877-4833.
What is the support contact email for Bilt Mastercard?
The support contact email for Bilt Mastercard is corporateresponsibility@wellsfargo.com.
What is the login page for Bilt Mastercard?
You can access the login page of Bilt Mastercard here.
How do people rate the customer service and user experience of Bilt Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bilt World Elite Mastercard report your account activity to credit bureaus?
Yes, Bilt World Elite Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Bilt Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bilt Mastercard
- Visit the website of Bilt Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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