Overview
- Effective Feb. 7, 2026, Bilt will shift card issuance from Wells Fargo to Cardless and introduce no-fee, $95, and $495 cards.
- New applications for the Wells Fargo-issued Bilt Mastercard close at noon ET on Nov. 5, and existing cards remain usable through Feb. 6, 2026.
- Existing members can choose to move to Cardless via a soft credit pull with card numbers and digital wallets auto-updating, keep a Wells Fargo account that converts to an Autograph Visa with a new number, transfer balances subject to approval, or close the account.
- Bilt confirms the new Cardless cards will earn points on mortgage payments regardless of lender, with full earning rates and terms to be revealed in early January 2026.
- Reporting notes the conversions could appear as new accounts on credit reports, which may affect consumers’ Chase 5/24 status.