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CardCurator — Rewards Intelligence
Card Comparison

Bilt Mastercard vs Wells Fargo Reflect

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bilt Mastercard card art
Bilt Rewards
Bilt Mastercard
Wells Fargo
More Info
Wells Fargo Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
None
None
Top Earn Rates
  • Dining 3x
  • Travel 2x
  • Rent 1x
1x base rate
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
Cash back only
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Common Questions: Bilt Mastercard vs Wells Fargo Reflect

Is the Bilt Mastercard or Wells Fargo Reflect better for dining?

Bilt Mastercard earns 3x on dining; Wells Fargo Reflect has no dining bonus.

Which has the higher signup bonus in 2026?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Bilt Mastercard charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Bilt Mastercard and the Wells Fargo Reflect?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Wells Fargo, so check their specific application rules.