The Column N.A. is a personal credit card from Column N.A.. The annual fee is $0. The ongoing APR is 26.74%-34.74% variable after a 10% intro APR on new eligible purchases introductory rate. Approval typically requires a credit score of good to excellent credit score (670-850) or higher. Signup bonus: $100 of Bilt Cash. Rewards: Up to 4X at Bilt partner restaurants; 3X on hotels and 2X on flights booked on the Bilt Travel Portal; 3X on Lyft after linking accounts; 1X on other travel and everyday purchases; up to 1.25X on rent and mortgage, scaled by everyday spend, with no transaction fee on housing payments. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. 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.