REWARDS & BENEFITS TERMS
1. Bilt Mastercard® earning structureWhen you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases (purchases minus returns/credits) for that statement period. Rent: you'll earn 1 rewards point per $1 spent on rent paid through the Bilt App with your card account up to a maximum of fifty thousand (50,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Rent payments can only be made to one rental property per month. Travel: 2 rewards points (1 base point plus 1 bonus point) are earned per $1 spent on qualifying net purchases made directly at retailers whose Merchant Code for MasterCard is classified as airlines, hotels, motels, resorts, cruise lines, and car rental agencies (bus lines, passenger railways/ trains, taxicabs and limousines, rideshares, ferries, timeshares, travel agencies, online travel sites, real estate agents, vacation rental platforms (e.g. VRBO, Airbnb), campgrounds, boat lease/rental, motor home/recreational vehicle rental, toll bridges and highways, parking lots, and garages are not considered travel). Dining: 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on qualifying net purchases at retailers whose Merchant Code for Mastercard is classified as eating places and restaurants, drinking places, bakeries, or fast food restaurants (caterers, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other qualifying net purchases. If you do not make at least 5 transactions that post to your account in a statement period you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App. ATM charges, cash advances, traveler's checks, money orders, pre-paid gift cards, balance transfers, SUPERCHECKS, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, and casino gaming do not earn points. Refer to the Bilt World Elite Mastercard® Rewards Program Terms and Conditions for details.
2. Trip cancellation & interruption (protection)Cardholders can receive reimbursement for the cost of scheduled common carrier passenger fare in the event the trip must be canceled or interrupted because of a covered reason. The entire fare, less redeemable certificates, vouchers, or coupons, must be paid with your Bilt World Elite Mastercard®. A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt World Elite Mastercard® Guide to Benefits for details.
3. Trip delay reimbursementCoverage is provided in excess of other insurances for reimbursement of trip delay expenses incurred during a delay of at least 6 hours, up to the daily benefit amount of $200 and up to a maximum amount of $1,800 for all covered persons on the same trip, when a trip delay is caused by an eligible reason. Benefits begin on the scheduled departure date and end on the scheduled return date. Eligible trip delay expenses are covered for you and your immediate family members, on the same trip, when you charge your trip to your eligible account. Certain exclusions, restrictions, and limitations apply. Refer to the Bilt World Elite Mastercard® Guide to Benefits for further information.
4. Auto rental collision damage waiverCertain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Bilt World Elite Mastercard* to secure transactions. Please refer to your Bilt World Elite Mastercard® Guide to Benefits for further details.
5. Lyft CreditsTake 3, Get $5: Beginning 4/1/21 and running through 9/30/22, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit "). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An "Eligible Ride" is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft's sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service at https:// www.lyft .com/terms, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.
6. DoorDash creditsDashPass Trial: Free three-month trial for eligible Mastercard World and World Elite cardholders for 90 days from the day on which it is initiated. Offer valid from April 11, 2022 to March 30, 2024 or while supplies last. This offer may be amended or canceled at any time without notice. AFTER DASHPASS TRIAL PERIOD ENDS, YOU WILL AUTOMATICALLY BE CHARGED $9.99/MONTH, PLUS ANY APPLICABLE FEES. SEE FULL DASH PASSTERMS AND CONDITIONS AT www.doordash.com/terms. To cancel at any time, go to "Manage DashPass" in your DoorDash account and select "End Subscription." DashPass order benefits are only applicable on orders with a minimum subtotal of $12 or above, excluding alcohol, taxes, and fees. Other fees (including service fee), taxes, and gratuity still apply.

$5 Off First Delivery: Valid on first order every month for eligible Mastercard World and World Elite Limit DashPass subscribers. From April 11, 2022 to March 30, 2024 or while supplies last. This offer may be amended or canceled at any time without notice. If the full $5 value is not used on a single order, the remaining value will be forfeited. Not valid for the purchase of alcohol. Fees, taxes, and gratuity still apply.

All orders subject to availability. Must have or create a valid DoorDash account with a valid form of accepted payment on file. No cash value. Non-transferable. The Terms & Conditions related to the usage of mobile wallets, like Apple Pay or Google Pay, can be found at www.doordash.com/mastercard. Click the following link for additional DoorDash Promotional Terms and Conditions: helpdoordash.com/consumers/s/article/offer-terms-conditions. In the event of a direct conflict between these DoorDash x Mastercard World and World Elite Offer Disclosures ("Offer Disclosures") and the DoorDash Promotional Code(s) Terms and Conditions, these Offer Disclosures apply.
7. Cell phone protectionCellular Telephone Protection can reimbur se the eligible Bilt World Elite Mastercard Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12~month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., disappear without explanation). This protection is only available when cell phone bills are paid from your Bilt World Elite Mastercard Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card, or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the soft ware of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Bilt World Elite Mastercard Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Bilt World Elite Mastercard Credit Card. This protection may not be equivalent to or better than other applicable coverage For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/biltctp.

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection however, you need to pay your monthly cell phone bill with your eligible Bilt World Elite Mastercard Credit Card to get up to $800 protection.
8. Purchase security (Theft and damage protection)Coverage in excess of any other coverage and receipt and other documentation is needed. Must be used within 90 days from the date of purchase and must be purchased entirely with your Bilt World EliteMastercard®. Benefit may be used in the event of theft or damage. Benefit is paid at Benefit Administrator's discretion. A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt World Elite Mastercard® Guide to Benefits for details.
9. BiltProtectWhen BiltProtect is enabled, you can initiate a BiltProtect Rent ACH transaction to use your Bilt Mastercard to pay your monthly rent by transferring funds from a linked qualifying deposit account. A BiltProtect Rent ACH is not a credit card purchase transaction. For funds to transfer, you must link a qualifying deposit account on the Bilt app. For more information, review the Bilt World Elite Mastercard® Credit Card Account Agreement.
Bilt World Elite Mastercard® is issued and administered by Wells Fargo Bank N.A, pursuant to a license from Mastercard. Mastercard is a federally registered service mark of Mastercard.© 2022 Bilt Rewards. All rights reserved.