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Side-by-side

Bilt Obsidian vs Wells Fargo Autograph Journey

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Wells Fargo Autograph Journey from Wells Fargo at $95/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 Journey
Annual fee$95$95
Sign-up bonus$200 Bilt Cash60,000 bonus points
Bonus value (est.)$200-
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / CardlessWells Fargo
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
  • 5x on flights
  • 4x hotels
  • 6 transfer partners (2024)
  • $50 airline credit
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus 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 Journey

5x on flights is class-leading at this price point. Wells Fargo added 6 transfer partners in 2024 (Flying Blue, Avianca, BA Avios, Iberia, Aer Lingus, Choice), making this card meaningfully better than before. Worth considering over Sapphire Preferred for frequent flyers.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or Wells Fargo Autograph Journey?
The Bilt Obsidian has a public bonus ($200 Bilt Cash, worth roughly $200), while the Wells Fargo Autograph Journey doesn't advertise one right now.
Is the Bilt Obsidian's $95 annual fee worth it compared to the Wells Fargo Autograph Journey?
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 Journey's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and Wells Fargo Autograph Journey?
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 Journey first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Wells Fargo Autograph Journey: $4,000 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.