Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Bilt Blue vs Wells Fargo Autograph Card

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt BlueWells Fargo Autograph Card
Annual fee$0$0
Sign-up bonus$100 Bilt Cash20,000 points
Bonus value (est.)$100$200
Min spend to unlock bonus$0 in 0 mo$1,000 in 3 mo
IssuerBilt / CardlessWells Fargo
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltwf-rewards
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Editorial take: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Wells Fargo Autograph Card?
The Wells Fargo Autograph Card has the bigger bonus, 20,000 points, 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 Autograph Card?
The Bilt Blue has no annual fee, so the question is whether the Wells Fargo Autograph Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Autograph 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 Autograph 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 Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Wells Fargo Autograph Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.