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Wells Fargo

Bilt

Annual fee $0 · Points on rent, no annual fee

Bilt carries no annual fee, so there is no coupon-book math here: a monthly Lyft credit and access to partner fitness studios come on top of the card's real draw, earning points on rent with no transaction fee.

No annual fee. There is nothing to break even against here: every dollar of credit is straight surplus.

The math

Each credit's per-occurrence amount, multiplied by how often it resets in a year.

Lyft
$10 × 12/yr
$120/yr
Fitness (partner studios)
$0 × 12/yr
$0/yr
Total annualized credits$120/yr

Full credits table

CreditAmountCadenceResets byCategoryNotes
Lyft $10 Monthly Calendar year rideshare None
Fitness (partner studios) $0 Monthly Calendar year other None

Standing perks

Non-dollar perks that come with the card, not counted in the math above.

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