The Bilt Mastercard (Wells Fargo) is a personal credit card from Bilt Mastercard (Wells Fargo). Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 700+ or higher. Rewards: Earn points on rent and mortgage.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states.. Pay rent with no fee and earn points. Accepts ITIN. Reports rent payments to all 3 bureaus. Earn points on rent, dining, travel. No annual fee.