Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt World Elite Mastercard (no annual fee) and the Target™ Mastercard® (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt World Elite Mastercard | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 4.0% | 1.0% |
| Dining Rewards | 4% | 2% |
| Gas Rewards | 4% | 2% |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.