Wells Fargo Bilt Mastercard vs US Bank Altitude Connect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Bilt Mastercard wins 2-1. Pay rent without fees — only no-fee card that earns points on rent. US Bank Altitude Connect is still the right call if no-fee 4x travel — rare combination of no fee + premium earn rate..
Side-by-side
| Criterion | Wells Fargo Bilt Mastercard | US Bank Altitude Connect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 4% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — value lives in rent payments | = 50,000 points after $2,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
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
US Bank Altitude Connect
- 4x on travel + gas + EV charging stations
- 2x at restaurants + grocery + streaming
- 1x on everything else
- $30 annual streaming credit
- No annual fee, no foreign transaction fees
- Cell phone protection
FAQ
›Wells Fargo Bilt Mastercard vs US Bank Altitude Connect: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (2 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 Wells Fargo Bilt Mastercard for its best categories, US Bank Altitude Connect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments. US Bank Altitude Connect: 50,000 points after $2,000 spend in 120 days.