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Side-by-side

Bilt Obsidian vs Wells Fargo Autograph Card

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/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 ObsidianWells Fargo Autograph Card
Annual fee$95$0
Sign-up bonus$200 Bilt Cash20,000 points
Bonus value (est.)$200$200
Min spend to unlock bonus$0 in 0 mo$1,000 in 3 mo
IssuerBilt / CardlessWells Fargo
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltwf-rewards
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

Editorial take: Bilt Obsidian

The headline tier of Bilt 2.0, launched February 7, 2026 by Cardless after the Wells Fargo era ended. Strongest for renters who eat out (or buy groceries) and use Lyft. The $100 hotel credit pays back most of the AF if you stay 2+ nights anywhere on the Bilt Travel portal. Pair with the no-fee Blue if you want a no-AF anchor too.

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 Obsidian or Wells Fargo Autograph Card?
The two cards offer comparable sign-up bonuses around $200. Pick based on which earning categories you actually use.
Is the Bilt Obsidian's $95 annual fee worth it compared to the Wells Fargo Autograph Card?
At $95/yr, the Bilt Obsidian is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian 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 Obsidian or the Wells Fargo Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $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.