💳 Bilt (issued by Wells Fargo) · Mastercard World Elite

Bilt Mastercard®

Travel Benefits Guide 2026

Free
Annual Fee
Lounge Access
Primary
Rental Coverage
None
Foreign Tx Fee

📌 At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Bilt Mastercard® for travel.

✈️ Lounge Access

This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.

🛂 Global Entry / TSA PreCheck Credit

Get a $120 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.

⏱️ Trip Delay Insurance

If your trip is delayed by 4+ hours, you're covered for up to $200/person in expenses.

Covers: meals, toiletries, personal use items

Up to $200 per trip when common carrier is delayed 4+ hours. Requires a minimum 2 night stay for hotel coverage.

Must book travel with this card. Keep all receipts for reimbursement.

🚫 Trip Cancellation & Interruption

Reimburses up to $5,000/person (max $5,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness, injury, severe weather, jury duty

Trip cancellation and interruption protection up to $5,000 per person when travel is charged to the card.

🧳 Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Lost baggage reimbursement as a Mastercard World Elite benefit.

Delayed baggage: Up to $100/person after 4+ hours. Covers essential items, toiletries, clothing.

🏥 Emergency Medical & Evacuation

No dedicated emergency medical evacuation benefit.

🚗 Rental Car Insurance

Primary coverage — this means you do NOT need to file with your personal auto insurance first. You can decline the collision damage waiver (CDW) at the counter and save $10–30/day.

Coverage amount: Up to $50,000

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Worldwide

Primary auto rental coverage as a Mastercard World Elite benefit. Decline CDW from rental company. Up to $50,000 for collision/theft.

🌍 Foreign Transaction Fees

No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

Rewards Structure

1x Bilt Points per $1 on all other purchases
Base rate on all purchases
2x on travel (airfare, hotels, car rentals, cruises)
Travel purchases
3x on dining
Dining
1x on rent (up to 100,000 points/year) — NO transaction fees, unique to Bilt
2x on travel
3x on dining
6x on dining/travel/rent on Rent Day (1st of each month)
1x on all other purchases (minimum 5 transactions/month required to earn points)

Point / Mile Values

  • Cash back / statement credit: ~1¢ per point
  • Travel portal redemption: ~1¢ per point
  • Transfer partners: 1:1 transfer to American Airlines, United, Alaska, Air Canada Aeroplan, Flying Blue (AF/KL), British Airways, Cathay Pacific, Emirates, TAP Air Portugal, IHG, Hyatt, Marriott, and more. Bilt points are considered some of the most valuable transferable currency available.

Pros & Cons for Travelers

👍 Pros

  • ✅ No foreign transaction fees — safe to use internationally
  • ✅ Primary rental car insurance — skip the CDW at the counter
  • ✅ Trip cancellation coverage (up to $5,000/person)
  • ✅ Trip delay coverage after 4+ hours
  • ✅ $120 Global Entry/TSA PreCheck credit
  • ✅ No annual fee — keeps costs zero

👎 Cons

  • ❌ No airport lounge access
  • ❌ No emergency medical evacuation coverage

🎯 Who Is This Card Best For?

Renters who want to turn monthly rent into valuable travel rewards with no transaction fees — the only card that does this. Exceptional transfer partners make points especially valuable.

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