Bilt Cardless Timeline
We received a bit more information for the Bilt Cardless timeline that is fast approaching. You likely received an email going over much of this earlier today too if you are already a cardholder. This is all about Bilt moving from Wells Fargo over to Cardless at the beginning of next year. That change will have some positive and negative affects for current and future cardholders. Let's get into it all.
**The information for Bilt Mastercard has been collected independently by Travel on Point(s). The issuer did not provide the content, nor is it responsible for its accuracy.
Updates 12/28/25: We Have Some New Information & Dates To Share
Here is some new information you will find useful from a recent Bilt press release:
On January 14th, 2026, Bilt will reveal the new card value propositions and open pre-order, giving you the ability to select one of the three cards you’d like to seamlessly upgrade to. Once pre-order opens, you'll need to select your new card by January 30th to ensure a seamless upgrade.
Upon selecting your new card, Bilt will also give you the option to automatically:
- Transfer your balance from your old Bilt Wells Fargo Mastercard to your new Bilt Card 2.0 shortly after February 6*
- Close your old Wells Fargo account — we’ll work with Wells Fargo to seamlessly close your old account shortly after February 6
If you choose not to close the old account, it will remain open and be converted into a Wells Fargo Autograph® Card, which you’ll manage separately from your new Bilt Card 2.0.
If you choose not to upgrade to Bilt Card 2.0, your old Bilt Card will continue to work as usual through February 6, 2026, and will be deactivated on February 7 as part of this transition. This has no impact on your points, status, or Bilt membership, which you retain with or without a Bilt Card. If you do not upgrade to Bilt Card 2.0, you will receive a Wells Fargo Autograph® Card* to continue accessing and managing your Wells Fargo credit card account. You can keep this account open or close it at any time by contacting Wells Fargo.
**Original Article Below**
The Bilt Mastercard Is Not Available To New Cardholders For The Next Few Months
First up is some bad news for potential new Bilt Mastercard cardholders. The card was pulled from the Wells Fargo and Bilt site today. It will not be available to potential new cardholders until the changeover to Cardless is complete. The relaunch of the Bilt card 2.0, this time with Cardless, will take place on February 7, 2026.
Current Cardholders Get A Choice
On the good news front, current Bilt Mastercard cardholders will get a choice of which Bilt Card 2.0 they carry going forward. That is true if they want to make the transition at least, but more on that in a bit. If you are a Bilt cardholder, and would like to continue to be one, then you will be able to select from one of the three new Bilt card options. We still don't know much about these cards, but more information should be released on them starting early in 2026. What we know now is that there will be a no fee option, a low fee option and a premium card option. This will all happen while only requiring a soft pull of your credit by Cardless.
If you move forward with the transition to Cardless the following will take place:
- The card number stays the same
- All major subscriptions, autopay, and saved payment methods stay the same, and everything in the Bilt app transitions over with no action needed from the cardholder
- Digital wallets auto-update
- Apple Pay and Google Pay will automatically refresh with the new card
- No hard credit inquiry
- Select from three new cards with no hard inquiry on a credit report
- Earn points on mortgages
- In addition to points on rent, your new Bilt Card 2.0 will let you earn points on eligible mortgage payments, regardless of who your mortgage is from
Current cardholders can continue using their current Wells Fargo Bilt Mastercard through February 6th, 2026. All points and Bilt membership remain exactly the same.
If cardmembers choose to transition to one of the new Bilt Card 2.0 options, current cardholders will able to transfer any balance from the old Wells Fargo account (subject to approval). They may also close down their Wells Fargo account at that time. If they choose to keep the Wells Fargo account open, the old account will become an Autograph Visa card with a different card number.
My assumption is that most people will keep their same credit limit, but it seems like Cardless may do some adjustments after looking at the soft pull information. I think it is cool that we get a choice of which card we want to move forward with. There is a large potential downside to all of this though.
The Change Will Likely Hurt Your Chase 5/24 Count
This is our best guess at this point with the information we have available to us, but we believe that the transition over to Cardless will count against a Chase 5/24 slot. We say that because a new line of credit will be introduced and reported by Cardless. This appears to be set up a bit differently from when one bank buys the catalogue of a company's cardholders and transitions them over to their bank. Like Amex taking over the Hilton cards from Citi in the past etc. That is why Cardless is performing soft pulls versus a mass migration. That is how I see it at least. This is a bit different since I believe this is a break up between Bilt and Wells Fargo versus Cardless buying the accounts from Wells Fargo.
On the other side of things, if you decided to stick with Wells Fargo – and decide to not make the move to Cardless – I think that there would have no impact on your 5/24 status. Even though it would be a new credit card number, and a new product, I do not see Wells Fargo reporting a new line of credit for it. You would lose your access to Bilt earning though, and you would instead be left with the Autograph Visa card.
If you miss the boat on selecting your Bilt 2.0 card option then it will be assumed you didn't want to move over with Cardless. I'll repeat that again – you will need to make a decision on your card choice to continue with your Bilt card over at Cardless.
What Should Under 5/24 People Do?
We have always said that the Bilt Mastercard is an over 5/24 card. Nothing changes with this announcement on that either. However, if you decided to grab one while under 5/24 you could be left in a pickle with the transition from Wells Fargo to Cardless. What you thought was going to cost you one 5/24 slot will now likely cost you two. That is if you are still under 5/24 when the change over happens at least.
The good news is that you still have some time to adjust course. If you are close to going over 5/24, then you may want to power through and get the cards lined up you need before February of 2026. That way the extra slot won't matter, because you will have already moved past 5/24. If you still have quite a bit of work to do while under 5/24, you are just going to have to take this double tap on the chin. Hopefully you can navigate around it with some help in the ToP Facebook Group. You might have a lot less wiggle room going forward thought. That means you will need to be prudent in your decisions here on out.
Bilt Cardless Timeline: ToP Thoughts
There is a lot of good with the changeover from Wells Fargo to Cardless. Most notably is the mention of earning points on mortgage payments for any lender. You thought I was going to just skip right over that, didn't you? That is a huge positive, and something we weren't sure was going to happen this quickly. I also like that you will have the choice between three different Bilt cards for the transition versus forced into the no fee option.
On the other side of things, one questionable decision could end up costing you twice. If you grabbed the Bilt card while under 5/24 you may be giving up more 5/24 slots than you bargained for. With Cardless adding a new line of credit to your report it will likely zap another slot on your count. them skipping a hard pull might not matter here. The good news is you still have some time to plan around it at least. Let us know what you think of the Bilt Cardless timeline over in the ToP Facebook Group.
