Who Issues the Bilt Credit Card

The Bilt Mastercard is issued by Column N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. While the card carries Bilt branding and rewards, all financial operations including credit decisions, billing, payments, and customer service are handled through Cardless Inc., which services the account on the bank’s behalf.

Bilt transitioned from Wells Fargo to Column N.A. as part of the Bilt Card 2.0 rollout that launched in February 2026, moving existing Wells Fargo cardholders to the new platform. The card lineup now includes a no annual fee option along with two premium tiers. Apply at biltrewards.com.

Bilt Rewards is a loyalty and payments company that lets renters earn points on rent payments without transaction fees, along with everyday spending. It partners with Column N.A. and Cardless Inc. to issue and service its full Mastercard lineup nationwide.

Who Issues the Bilt Credit Card

Column N.A. is a technology focused bank that partners with fintech companies to issue modern credit and debit products, giving it a different operating model than large legacy banks like Wells Fargo.

Column N.A. is the chartered bank that now extends credit and holds every account opened under the Bilt Mastercard program, having replaced Wells Fargo as the issuer starting February 7, 2026.

Wells Fargo had issued the Bilt Mastercard since the program launched in 2022, but stopped accepting new applications on November 5, 2025, well ahead of the full and final transition to Column N.A. and the new Bilt Card 2.0 platform.

What Cardless Inc. Does

This structure allows Bilt Rewards to focus on its loyalty program and rent payment technology while Column N.A. handles the underwriting, regulatory compliance, and account holding responsibilities of a chartered bank.

Cardless Inc. is the technology platform that services the Bilt Mastercard on behalf of Column N.A., managing the app, rewards tracking, and day to day customer support that cardholders interact with directly.

Cardless previously helped launch other notable card programs, including the American Express and Coinbase co branded card, giving it valuable experience building modern, digitally focused credit card products before it began partnering with Bilt.

Bilt Credit Card Features

Bilt also continues to offer partnerships with airlines and hotel chains for point transfers, a feature that remained a core part of the rewards program through the transition to the new issuer.

Cardholders should review the specific benefits tied to each of the three tiers, since the higher annual fee cards generally include more extensive travel perks compared to the no annual fee option.

The Bilt Card 2.0 lineup includes a no annual fee card along with two premium tiers carrying 95 dollar and 495 dollar annual fees, each offering a different level of travel and rewards benefits.

A defining feature of Bilt cards has been the ability to earn points on rent payments without paying a transaction fee, a benefit that has carried over from the original Wells Fargo issued card to the new Column N.A. issued version.

How Bilt Compares to Other Card Issuers

The transition drew significant attention from existing cardholders, with some expressing frustration over the pace and communication of the shift from Wells Fargo to the new Cardless and Column N.A. platform.

Bilt’s move from a large national bank like Wells Fargo to a smaller, technology focused bank like Column N.A. reflects a broader trend of fintech companies partnering with smaller banks to issue cards more quickly and flexibly.

Consumers who held cards from more traditional issuers such as the Chase Credit Card may notice a different servicing experience with Bilt, since Cardless operates a more app centric support model than many legacy banks.

Applying for the Bilt Credit Card

Independent financial publications such as Kiplinger and CNBC Select have closely covered the Bilt Card 2.0 transition, which can help applicants understand the full context before applying.

Applicants can review current terms and apply through the official Bilt Rewards website, which lists fees, eligibility details, and benefits for each of the three current card tiers.

Because approval and starting credit limits depend on individual credit history, applicants should review the current cardholder agreement carefully before applying, since fee structures and rewards benefits were updated significantly during the 2026 transition to the new issuer.

Cardholders unsure of their current account status should check the Bilt Rewards app directly, since the transition timeline affected different accounts on slightly different schedules during the rollout.

Frequently Asked Questions

Do I need to reapply if I had a Wells Fargo issued Bilt card?

Existing Wells Fargo Bilt cardholders were automatically transitioned or given the option to move to the new Bilt Card 2.0 platform issued by Column N.A. starting February 7, 2026.

What happens to a Wells Fargo Bilt card that was not transitioned?

Accounts not moved to Bilt Card 2.0 by the transition date were automatically converted by Wells Fargo into a Wells Fargo Autograph Visa card instead.

How can I talk to Bilt Credit Card customer service?

Cardholders can reach Bilt Credit Card customer service through the Bilt Rewards app or through the phone number and support contact listed on the official Bilt Rewards website.

What is the Bilt Credit Card payment address?

The correct mailing address for payments appears on each monthly billing statement and inside the online account. Cardholders can also confirm the current address through the official Bilt Rewards website.

What are the requirements to get the Bilt credit card?

Issuers generally review income, existing debt, and credit history when deciding on an application, and federal rules limit what information a card issuer can request. Full detail on these protections is available from the Consumer Financial Protection Bureau.

How do I make a Bilt Credit Card payment?

Payments can be made online through the Bilt Rewards app, by mail using the address on the monthly statement, or by phone. Enrolling in autopay helps cardholders avoid a missed due date and any resulting late fee on the account.

How do I make a Bilt Credit Card payment by phone?

Cardholders can make a payment by phone by calling the customer service number listed on the official Bilt Rewards website and following the automated payment prompts, or by speaking with a representative directly during normal business hours for additional help.