The Bilt Mastercard and Virgin Red Rewards Mastercard are closely matched. Bilt Mastercard wins on 1 categories (no current bonus); Virgin Red Rewards Mastercard wins on 1 (60,000 pts signup bonus). The better pick depends on your spending patterns.
Bilt Mastercard vs Virgin Red Rewards Mastercard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Bilt Mastercard is no longer available for new applicants. Historical data is preserved here for reference.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 3x
- Travel 2x
- Rent 1x
- Virgin Atlantic, Virgin Hotels and Virgin Voyages 3x
- grocery stores, on dining out, on selected streaming services, and even charging your EV 2x
- All Other Purchases 1x
- Free night at Virgin Hotels
- Virgin Atlantic One Flying Club reward voucher, providing either: Companion seat Cabin upgrade Virgin Hotels One free Hotel night stay One priority room upgrade Virgin Voyages Up to $300 Bar Tab credit Blue Extras perks packageAfter $15,000 spend
- Virgin Atlantic One Flying Club reward voucher, providing either: Companion seat Cabin upgrade Virgin Hotels One free Hotel night stay One priority room upgrade Virgin Voyages Up to $300 Bar Tab credit Blue Extras perks packageAfter $30,000 spend
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Bilt Mastercard and Virgin Red Rewards Mastercard are closely matched. Bilt Mastercard wins on 1 categories (no current bonus); Virgin Red Rewards Mastercard wins on 1 (60,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Bilt Mastercard tops out at 3x versus 3x for Virgin Red Rewards Mastercard. Current signup bonus values are roughly $0 for Bilt Mastercard and $9 for Virgin Red Rewards Mastercard. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-mastercard-vs-virgin-red-rewards-mastercard
- Bilt Mastercard wins 1 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Mastercard reaches 3x; Virgin Red Rewards Mastercard reaches 3x.
- Annual fee: Bilt Mastercard is no annual fee; Virgin Red Rewards Mastercard is $99/yr.
- Current public bonus values are approximately $0 and $9.
Common Questions: Bilt Mastercard vs Virgin Red Rewards Mastercard
Is the Bilt Mastercard or Virgin Red Rewards Mastercard better for dining?
Bilt Mastercard earns 3x on dining; Virgin Red Rewards Mastercard earns 2x on dining. Bilt Mastercard wins for dining.
Which has the higher signup bonus in 2026?
Bilt Mastercard currently offers no current bonus. Virgin Red Rewards Mastercard offers 60,000 pts signup bonus (spend $4,000 in 3 months). Virgin Red Rewards Mastercard has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bilt Mastercard and the Virgin Red Rewards Mastercard?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Mastercard is from Wells Fargo and Virgin Red Rewards Mastercard is from Synchrony Bank, so they're governed by separate bank policies.