Bilt Blue vs Wells Fargo Active Cash Card

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Card has the bigger bonus, $200 cash rewards, worth roughly $200, versus $100 Bilt Cash (~$100) on the Bilt Blue.

Is the Bilt Blue's $0 annual fee worth it compared to the Wells Fargo Active Cash Card?

The Bilt Blue has no annual fee, so the question is whether the Wells Fargo Active Cash Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Active Cash Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and Wells Fargo Active Cash Card?

Yes, since they're from different issuers (Bilt / Cardless and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Bilt Blue or the Wells Fargo Active Cash Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Wells Fargo Active Cash Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.