Bilt Card 2.0 Transition Revealed — Three New Versions, Points For Mortgages, No Hard Pull For Current Cardmembers
We’ve been waiting on Bilt Card 2.0 for nearly a year. We need to wait two more months for the details. But we’ve learned a bit more about the transition away from Wells Fargo to Cardless.
We’ve already known that Cardless would become the issuer of the Bilt card starting in February, with existing cardmembers transitioning, and that there would be (3) cards to choose from:
- No annual fee, as today
- $95
- $495
We’ll learn product details in “early January”. Existing cardmembers will be able to choose which of the three cards they want with no hard credit pull. New cards will be delivered for a February 7 cutover.
- Card number stays the same, so no need to change any autobilling.
- Therefore digital wallets auto-update and both Apple Pay and Google Pay will auto-refresh with the new card.
- All three cards will earn points for mortgage payments (“regardless of who your mortgage is from”)
Applications for the existing Wells Fargo card end Noon eastern today. Existing cards will work through February 6, 2026. Card balances transfer to the new card (although there’s also the option to just close the Wells card and not transition, and receive an Autograph Visa card with new card number instead).
That’s about as friendly and seamless of a transition that I’ve ever seen.
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