Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Bilt Blue Card vs Wells Fargo Autograph Visa Credit Card (2026)
Bilt Blue Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Bilt Blue Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Bilt Blue Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Tolls
1X
3X
Transit
1X
3X
Travel
1X
3X
Mortgage
1.25X
1X
Rent
1.25X
1X
Everything Else
1X
1X
−
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments
W
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
1X
3X
Transit
1X
3X
Travel
1X
3X
Mortgage
1.25X
1X
Rent
1.25X
1X
Everything Else
1X
1X
−
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments
W
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
1X
3X
Transit
1X
3X
Travel
1X
3X
Mortgage
1.25X
1X
Rent
1.25X
1X
Everything Else
1X
1X
−
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Only 1X on groceries and general shopping
−Welcome bonus of 20,000 points ($200 value) is modest
−Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
−No premium travel benefits like lounge access or travel insurance
−Penalty APR of 29.99% for late payments
W
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
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