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Side-by-side

Bilt Palladium vs Wells Fargo Autograph Journey

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/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

For most people the Bilt Palladium is the stronger pick today, the sign-up bonus is meaningfully larger ($1,125 more in estimated value) than the Wells Fargo Autograph Journey's. Get the Bilt Palladium first; revisit the Wells Fargo Autograph Journey after you've earned that bonus.

FeatureBilt PalladiumWells Fargo Autograph Journey
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status60,000 bonus points
Bonus value (est.)$1,125-
Min spend to unlock bonus$4,000 in 3 mo$4,000 in 3 mo
IssuerBilt / CardlessWells Fargo
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
  • 5x on flights
  • 4x hotels
  • 6 transfer partners (2024)
  • $50 airline credit
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus points

Editorial take: Bilt Palladium

Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.

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 Palladium or Wells Fargo Autograph Journey?
The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), while the Wells Fargo Autograph Journey doesn't advertise one right now.
Is the Bilt Palladium's $495 annual fee worth it compared to the Wells Fargo Autograph Journey?
At $495/yr, the Bilt Palladium 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 Palladium 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 Palladium or the Wells Fargo Autograph Journey first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 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.