Bilt World Elite Mastercard vs U.S. Bank Cash+ Visa Signature Card

Side-by-side comparison of Bilt World Elite Mastercard and U.S. Bank Cash+ Visa Signature Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bilt World Elite Mastercard	U.S. Bank Cash+ Visa Signature Card
Issuer	Wells Fargo (Bilt)	U.S. Bank
Network	Mastercard	Visa
Card Material	Metal	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Restaurants	3.0%	1.0% (base)
Travel	2.0%	5.0%
Rent (up to 100,000 points per year)	1.0%	1.0% (base)
Two categories you choose each quarter (up to $2,000/quarter)	1.0% (base)	5.0%
Airline	1.0% (base)	5.0%
Hotels	1.0% (base)	5.0%
One everyday category you choose each quarter	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	14 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	21.49% - 29.49%	19.49% - 29.74%
Cash Advance APR	29.49%	29.99%
Penalty APR	N/A	N/A
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	Up to $800 per claim	—
Extended Warranty	—	—
Purchase Protection	Up to $10,000 per claim	—
Return Protection	—	—
Trip Cancellation Interruption	Up to $5,000 per passenger	—
Trip Delay	Up to $200 per day (max $1,800)	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard