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Bilt Mastercard (legacy, Wells Fargo) vs Wells Fargo Autograph Card

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo)Wells Fargo Autograph Card
Annual fee$0$0
Sign-up bonusClosed to new applicants20,000 points
Bonus value (est.)$0$200
Min spend to unlock bonus$0 in 0 mo$1,000 in 3 mo
IssuerBilt / Wells FargoWells Fargo
Card categorytraveltravel
Best earning category (Dining)3x1x
Transfer partnersbiltwells-fargo
Headline benefits
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

Editorial take: Bilt Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

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 Mastercard (legacy, Wells Fargo) or Wells Fargo Autograph Card?
The Wells Fargo Autograph Card has the bigger bonus, 20,000 points, worth roughly $200, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Wells Fargo Autograph Card?
The Bilt Mastercard (legacy, Wells Fargo) 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 Mastercard (legacy, Wells Fargo).
Can I have both the Bilt Mastercard (legacy, Wells Fargo) and Wells Fargo Autograph Card?
Yes, since they're from different issuers (Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo) or the Wells Fargo Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $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.