Bilt Card 2.0: Everything You Need to Know About the 2026 Transition to Cardless

Current Cardholders: What You Need to Know

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The Good News: This Transition is Seamless

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If you currently have the Wells Fargo Bilt Mastercard®, here's what makes this transition remarkably smooth:

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• No hard credit pull required - Existing cardholders can select any of the three new cards with only a soft inquiry on their credit report

• Your card number stays the same - No need to update subscriptions, autopay settings, or recurring payments

• Digital wallets auto-update - Apple Pay and Google Pay will automatically refresh with your new card information on February 7

• Balance transfers available - You can transfer any balance from your Wells Fargo account to your new Bilt Card 2.0 (subject to approval)

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Important Dates for the Transition

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• November 5, 2025 (Noon ET) - Applications for the Wells Fargo Bilt Mastercard closed

• Early January 2026 - Full product details revealed; cardholders can select their preferred card

• February 6, 2026 - Last day to use your current Wells Fargo Bilt Mastercard

• February 7, 2026 - Bilt Card 2.0 officially launches

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What Happens to Your Wells Fargo Bilt Mastercard?

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You have three options:

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1. Transition to Bilt Card 2.0 - Select one of the three new cards and transfer your balance
2. Close the Wells Fargo account - Simply close your account if you don't want to continue
3. Convert to Wells Fargo Autograph Visa - If you don't transition, your account automatically becomes an Autograph Visa card with a different card number (this card earns Wells Fargo Rewards points, not Bilt Points)

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After February 6, 2026, you can still access statements and make payments on any remaining Wells Fargo balance by visiting wellsfargo.com or calling 1-833-404-2272.

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[[ SINGLE_CARD * {"id": "2990", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Renters", "headerHint" : "Rewards on Rent Payments" } ]]

^{The information for the Bilt Mastercard® has been collected independently by Kudos. The card details on this page have not been reviewed or provided by the card issuer.}

What Stays the Same?

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Despite the issuer change, several crucial elements remain unchanged:

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• Your Bilt membership - Completely unaffected by the transition

• Your Bilt Points balance - All points remain in your account

• Earning and redeeming points - Continue through the Bilt app as usual

• Access to Bilt services - All existing Bilt benefits and features remain available

The Mortgage Game-Changer

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Perhaps the most exciting announcement: all three Bilt Card 2.0 options will earn points on eligible residential mortgage payments. This is revolutionary in the credit card space, as most cards don't allow mortgage payments to earn rewards.

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For homeowners who've been watching renters rack up Bilt Points, this levels the playing field and potentially unlocks thousands of dollars in annual rewards on your largest monthly expense.

Why the Move to Cardless?

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Cardless has emerged as a innovative player in the co-brand credit card space, issuing cards for various partners including airlines and sports teams. The move allows Bilt more flexibility in product design and potentially faster implementation of new features based on member feedback.

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Bilt stated that the new card products were developed based on feedback from "tens of thousands of members" about what they wanted from their Bilt Card.

How to Prepare for Bilt Card 2.0

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If You're a Current Cardholder:

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1. Sign up for updates - Visit bilt.com/card to receive early access to announcements
2. Review your spending patterns - Consider which of the three annual fee tiers might work best for you once details are announced
3. Keep using your current card - Continue transacting normally through February 6, 2026
4. Watch for the January announcement - This is when you'll learn full product details and be able to make your selection

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If You Wanted to Apply:

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Unfortunately, new applications for the Wells Fargo Bilt Mastercard closed on November 5, 2025 at noon ET. However, you can:

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• Sign up at bilt.com/card for notifications about when applications for Bilt Card 2.0 open

• Note that new applicants will face a hard credit pull (unlike existing cardholders transitioning)

Questions About the Transition?

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For specific questions about the Bilt Card 2.0 program, you can:

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• Contact support through the chat function in the Bilt app

• Call the dedicated transition support line at 1-888-904-3420 (available for a limited time)

The Bottom Line

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The Bilt Card 2.0 transition represents one of the smoothest major credit card program changes in recent memory. With the same card numbers, automatic digital wallet updates, no hard credit pulls for existing members, and the addition of mortgage payment rewards, Bilt is setting a new standard for how card issuers should handle transitions.

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The real test will come in January when we see the full details of each card tier, including:

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• Exact earning rates on different spending categories

• Welcome bonuses (if any)

• Premium card benefits and perks

• Whether the famous "Rent Day" promotion continues

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For now, current cardholders can rest easy knowing their points are safe, their membership continues unchanged, and they'll have first access to select the new card that best fits their needs.