Overview
- Bilt confirmed a three‑card lineup at $0, $95, and $495 annual fees with full details to be unveiled on Jan. 14, 2026.
- Existing cardholders can select their new card by Jan. 30 to ensure a smooth switch, with new cards slated to arrive Feb. 6 ahead of a Feb. 7 launch.
- Upgrades will keep the same card number and update mobile wallets automatically, with no hard credit pull though a new account will appear on credit reports.
- Bilt says all three cards will earn points on mortgage payments, expanding beyond the program’s original rent focus.
- Users who do not upgrade will see their Wells Fargo Bilt card deactivated on Feb. 7, with accounts converted to a Wells Fargo Autograph card and existing Bilt points preserved.