Chase Freedom Unlimited vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Unlimited wins 3-1. No-fee everyday card; pairs perfectly with Sapphire Preferred Wells Fargo Bilt Mastercard is still the right call if pay rent without fees — only no-fee card that earns points on rent..
Side-by-side
| Criterion | Chase Freedom Unlimited | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
Chase Freedom Unlimited
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 months
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Chase Freedom Unlimited vs Wells Fargo Bilt Mastercard: which is better?
Chase Freedom Unlimited wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Unlimited for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Unlimited: $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.