The Bilt World Elite Mastercard, issued by Wells Fargo (Bilt), is a premium contender in the market.
Bilt World Elite Mastercard Payoff Analysis
Bilt World Elite Mastercard® Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Bilt World Elite Mastercard® | |
|---|---|
| Issuer | Wells Fargo (Bilt) |
| Network | Mastercard (World Elite Mastercard) |
| Card Material | Metal |
| Annual Fee | $0.00 |
| Base Rate | 1.00% |
| Travel Rewards | 2.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (5y ago) |
| Minimum Credit Line | $1000 |
Rewards Breakdown
| Base Rate | 1.00% |
| Dining | 3.0x |
| Rent (up to 100,000 points per year) | 1.0x |
| Travel | 2.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Transfer Partners
| Aer Lingus AerClub | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| air-france-klm | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| american-airlines | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| British Airways Executive Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Cathay Pacific Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Emirates Skywards | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| hawaiian-airlines | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Iberia Plus | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| ihg-one-rewards | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| marriott-bonvoy | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Turkish Airlines Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| United MileagePlus | 1.3¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Virgin Atlantic Flying Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| world-of-hyatt | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
Pricing Details
| Purchase APR | 28.24% - 36.24% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | None |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $1.00 |
| Grace Period | 25 days |
| Penalty APR | None |
Official Resources
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | No |
Strategy & Eligibility
| Min. Credit Score | 670+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (None) |
| Closure Grace Period | None |
Comparisons
See how the Bilt World Elite Mastercard compares to other cards.