To cancel a Bilt Mastercard, you generally need to close the credit card account through the bank that issues it (historically Wells Fargo for many cardholders) and, separately, decide what you want to do with your Bilt Rewards account.

Quick Scoop

  • You cancel the Bilt card by contacting the card issuer’s customer service (use the phone number on the back of your card).
  • Your Bilt Rewards account and points are separate from the physical card, so you can usually cancel the card and still keep your Bilt account and points.
  • If you want to fully delete your Bilt account , you must contact Bilt directly (via in‑app or website chat) and request account deletion.

Step‑by‑step: How to cancel your Bilt card

1. Decide what you want to do with your points

Before you cancel:

  • Log into your Bilt Rewards account and check your current point balance.
  • Consider redeeming or transferring your points (e.g., to airline/hotel partners) so you’re not worrying about them during the cancellation process.
  • Note that users on forums report that cancelling the card does not automatically delete your Bilt account or wipe points , since the rewards account is separate from the credit card line.

Example from a recent forum thread: a user with about 90k Bilt points confirmed they could cancel the card and keep their Bilt account and points active.

2. Call the number on the back of your card

The core move to cancel the Bilt card itself:

  1. Flip the card over and find the customer service number on the back.
  1. Call and follow the prompts or ask to speak to a representative.
  2. Clearly say you want to close/cancel your Bilt Mastercard account.
  1. If asked, confirm:
    • You’re not switching products (e.g., to another card) but fully closing the Bilt card.
 * You understand this will end charging privileges on that account.

Forum posters report that the process is usually straightforward and can even be handled in a single call.

3. Confirm account status and remaining balance

During the call:

  • Ask them to confirm:
    • Your outstanding balance (if any) and how/when you must pay it.
    • Whether your account is being closed immediately or scheduled to close at a future date.
  • If you carry a balance, the line can be closed while you continue paying it off , but you typically will not be able to make new purchases. This is standard credit card practice (implied by typical issuer processes referenced in forum discussions).

Afterwards:

  • Log into your issuer’s app/website in a day or two and verify the account shows as closed or in the process of closing.

4. Handle your Bilt Rewards account (optional)

If you only want to cancel the card:

  • You can keep your Bilt account active, which allows you to hold and later use the points you’ve already accumulated. Forum users confirm this setup: card closed, Bilt account still open.

If you also want to delete your Bilt account:

  1. Open the Bilt app or go to the Bilt website and log in.
  2. Use the “Chat with Us” support feature.
  1. Tell support you want to delete your Bilt account and, if desired, request data deletion.

Bilt’s own support documentation says you must reach out via chat to request account deletion and that cardholders who want to close the credit account need to contact the card issuer’s customer service by phone.

Extra notes, timing, and “latest news” angle

In early 2026, a lot of forum discussion around “how to cancel Bilt card” is tied to:

  • Product changes (“Bilt 1.0” vs “Bilt 2.0”) and people deciding they no longer like the updated structure.
  • Users confirming that:
    • Calling the issuer’s customer service is enough to stop the transition and cancel the old card.
* There are sometimes automated phone options to cancel, though exact numbers can vary.

If you’re reacting to recent changes (like fees or benefit cuts), most forum users still follow the same basic recipe: redeem/plan for points, call issuer to cancel card, optionally keep or close Bilt account via Bilt chat.

Mini FAQ

Does cancelling the Bilt card delete my Bilt Rewards points?

  • Typically no; the Bilt rewards account is separate, so you keep the points as long as the Bilt account stays open.

Can I cancel the card without ever activating it?

  • Yes, but you still need to reach customer service and ask them to close the account; users who never used or set up their card have been told to contact the card servicer to cancel.

How do I entirely leave Bilt (card + account)?

  • Call the card issuer to close the card, then use the Bilt app or website chat to request full account deletion and data removal.

Meta description (SEO‑style)
Learn how to cancel a Bilt card in 2026: steps to close your Bilt Mastercard with the issuer, what happens to your Bilt Rewards points, and how to fully delete your Bilt account if you want out.

Information gathered from public forums or data available on the internet and portrayed here.