Verdict · Updated April 2026
Bilt Mastercard for Dining & Restaurants
The Bilt Mastercard is a solid pick for dining & restaurants — ranked #8 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
Rank #8 of 4082th percentileSolid option — check alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Bilt Mastercard
Wells Fargo · No annual fee
The only credit card that lets you earn rewards on rent payments with zero processing fee. Renters paying $1,500/month earn 18,000 points/year on rent alone — worth $180+ toward travel or potentially more via transfers to American Airlines, United, Hyatt, and other premium partners. The no-annual-fee structure is exceptional given the transfer options.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$360
Annual fee
$0
Net value
$360
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Bilt Mastercard wins for dining & restaurants
- 3x on dining — solid multiplier for restaurants and delivery
Where it falls short
- No intro 0% APR and a high regular APR (29.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Bilt Mastercard on our dining & restaurants scoring model.
How the Bilt Mastercard performs for other use cases
Frequently asked questions
Is the Bilt Mastercard a good card for dining & restaurants?⌄
The Bilt Mastercard is a solid pick for dining & restaurants — ranked #8 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
How much can I earn with the Bilt Mastercard on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $360 in rewards — net $360 after the $0 annual fee.
What are better alternatives to the Bilt Mastercard for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Bilt Mastercard?⌄
The Bilt Mastercard typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Bilt Mastercard's annual fee worth it for this use case?⌄
The Bilt Mastercard has no annual fee — there's no breakeven to clear, so any rewards earned on dining & restaurants spending are pure profit.
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