Bilt Mastercard — Approval Odds & Credit Limit (2026)
The Bilt Mastercard is a cash back card from Wells Fargo / Bilt. Welcome bonus: Points on rent with no processing fee.
Credit limit range — this card
$1k – $25k
The span of limits the Bilt Mastercard issues. Your personal limit depends on your profile — calculate your odds and limit →
Approval rate
70%
10 reported apps
Typical score
738
700–762 range
Approved
7
3 denied
Real reported applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Bilt Mastercard requirements
- Suggested credit score
- 670+
- Min credit history
- 12 months
- Recommended utilization
- under 40%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $1k – $25k
- Annual fee
- $0
- APR
- 21.24%–29.24%
- Welcome bonus
- Points on rent with no processing fee
- Reports to
- Experian, TransUnion
Bilt Mastercard approval — FAQ
What credit score do you need for the Bilt Mastercard?
Approved applicants in our data had a median FICO around 738 (range 700–762). The issuer generally looks for 670+.
What credit limit does the Bilt Mastercard give?
This card issues limits from $1k to $25k. Across 7 reported approvals the median starting limit was $14k, typically $11k–$16.5k.
What is the approval rate for the Bilt Mastercard?
Of 10 reported Bilt Mastercard applications in our dataset, 70% were approved.
Will you be approved for the Bilt Mastercard?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from r/churning, r/CreditCards and myFICO, not the issuer. Not financial advice.