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Card vs Card Comparison

Bilt Mastercard
vs
Wells Fargo Autograph.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Wells Fargo

Bilt Mastercard

Annual fee

Free

Points

Bilt Rewards

Signup bonus

No signup bonus (by design)

Top earning rates

  • →1x on rent with no fees
  • →2x on travel
  • →3x on dining

Top perks

  • →Pay rent without fees (the headline benefit)
  • →Bilt transfer partners including American, United, and Hyatt
  • →Members-only Bilt events
See Bilt Mastercard detailsarrow_forward

Wells Fargo

Wells Fargo Autograph

Annual fee

Free

Points

Wells Fargo Rewards

Signup bonus

20K points after $1K in 3 months

Top earning rates

  • →3x on travel, dining, gas, grocery, streaming, and transit
  • →1x everywhere else

Top perks

  • →$0 annual fee
  • →Cell phone protection
  • →No foreign transaction fee
See Wells Fargo Autograph detailsarrow_forward

The verdict

When each card wins.

Bilt Mastercard wins if

Pick this if you rent. Earning transferable points on rent is unique to this card.

Honest downside: Useless if you do not rent. Mediocre everyday earner otherwise.

Wells Fargo Autograph wins if

Pick this if you want a $0-fee card that earns 3x across the broadest category list on the market.

Honest downside: No transfer partners. Wells Fargo Rewards function essentially as cashback.

At a glance

Side-by-side spec sheet.

SpecBilt MastercardWells Fargo Autograph
Annual feeFreeFree
Points currencyBilt RewardsWells Fargo Rewards
Signup bonusNo signup bonus (by design)20K points
Top earn category1x on rent with no fees3x on travel, dining, gas, grocery, streaming, and transit
Second earn category2x on travel1x everywhere else
Third earn category3x on diningStandard 1x earn
Signature perkPay rent without fees (the headline benefit)$0 annual fee
IssuerWells FargoWells Fargo

Questions

Frequently asked.

Which is better, Bilt Mastercard or Wells Fargo Autograph?

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Bilt Mastercard wins if you rent. Earning transferable points on rent is unique to this card. Wells Fargo Autograph wins if you want a $0-fee card that earns 3x across the broadest category list on the market.

Can I have both the Bilt Mastercard and the Wells Fargo Autograph?

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Both cards are issued by Wells Fargo, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Bilt Mastercard or Wells Fargo Autograph?

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Both cards charge a $0 annual fee. The right pick comes down to which earning categories and perks you'll actually use.