Wells Fargo Bank, National Association Bilt World Elite Mastercard

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

wellsfargo.com

Phone

(800) 642-4720

Purchase interest rate and fees

20.49% – 28.49%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	28.49%	2 dollar sign symbols Pay average interest
720+	23.39%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.
Over-limit fee: None

Rewards and perks

Travel and other

Other rewards: BILT Rewards Points, Fitness Redemption, Redeem points to pay Rent, Redeem points for Mortgage Down Payment, Airline & Hotel Redemption, Amazon Pay w/Points, Bilt Collection

Services

Access to Free Credit Scores
Discounts on purchases of goods and services (non travel related)
Cellular Telephone Protection, Mastercard ID Theft Protection™, Purchase Security, Mastercard Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge, Mastercard Golf, Auto Rental Collision Damage Waiver,

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

28.24%*

+

Variable

Cash advance fee details: Either $10 or 5% of the amount of each advance, whichever is greater.

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.