Which card earns more rewards, the Bilt Blue Card or Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Blue Card have that the Wells Fargo Active Cash Card doesn't?

The Bilt Blue Card offers cell phone protection. The Wells Fargo Active Cash Card offers cell phone protection.

Should I get the Bilt Blue Card or the Wells Fargo Active Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Blue Card vs Wells Fargo Active Cash Card

Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the Wells Fargo Active Cash Card on everyday spending.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Bilt Blue Card Cardless · No annual fee	Wells Fargo Active Cash Card Wells Fargo · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$100 in rewards	$100 cash back
Rewards	Bilt Points	Cash back
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Mortgage	1.25x	2%
Rent	1.25x	2%
Everything else	1x	2%
Perks & access— means none on record
Hotel status & programs	—	Breakfast for 2, upgrades and VIP status at luxury hotels
Other perks	No foreign transaction fees	24/7 Visa Signature Concierge service Extra cash back at select merchants with personalized deals
Protections & insuranceLimits where published · — means none on record
Rental car	Secondary rental car collision damage waiver	Up to $50,000 rental car coverage when you decline the count
Purchase & returns	$1,000 purchase protection per item for 90 days	—
Cell phone	Up to $800 cell phone protection per claim	Up to $600 coverage for damaged or stolen phones
Other protections	—	24/7 worldwide travel and emergency assistance Get emergency cash and card replacement worldwide Check your FICO score anytime for free 24/7 roadside help with free towing up to 5 miles
Pros & cons
Pros	No annual fee Earn up to 1.25X points on rent and mortgage with no transaction fees 4% Bilt Cash on all non-housing spend (stackable with 1X points) $100 Bilt Cash welcome bonus with no spending requirement Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)	Unlimited 2% cash back on every purchase with no category limits No annual fee $100 welcome bonus after just $500 spend in 3 months 0% intro APR for 12 months on purchases and balance transfers Cell phone protection up to $600 per claim when paying bill with card
Cons	Only 1X points on non-housing purchases (below average for flat-rate cards) Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions Most Bilt Cash expires at year-end (only $100 rolls over) No bonus categories like dining or travel (those are Obsidian features) Fewer card-specific protections than Obsidian or Palladium	3% foreign transaction fee makes it poor for international use No bonus categories - heavy dining/travel spenders earn less than category cards Points have no transfer partners (cash back only) Requires good to excellent credit Penalty APR of 29.99% for late payments
	Card details	Card details

Bilt Blue Card
Cardless · No annual fee
Wells Fargo Active Cash Card
Wells Fargo · No annual fee

Overview

Annual fee: Bilt Blue Card
$0
Wells Fargo Active Cash Card
$0
Welcome offerCurrent public offer: Bilt Blue Card
$100 in rewards
Wells Fargo Active Cash Card
$100 cash back
Rewards: Bilt Blue Card
Bilt Points
Wells Fargo Active Cash Card
Cash back
Foreign transaction fee: Bilt Blue Card
None
Lowest
Wells Fargo Active Cash Card
3%
Network: Bilt Blue Card
Mastercard World Elite
Wells Fargo Active Cash Card
Visa Signature

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Mortgage: Bilt Blue Card
1.25x
Wells Fargo Active Cash Card
2%
Rent: Bilt Blue Card
1.25x
Wells Fargo Active Cash Card
2%
Everything else: Bilt Blue Card
1x
Wells Fargo Active Cash Card
2%

Perks & access— means none on record

Hotel status & programs: Bilt Blue Card
—
Wells Fargo Active Cash Card
Breakfast for 2, upgrades and VIP status at luxury hotels
Other perks: Bilt Blue Card
No foreign transaction fees
Wells Fargo Active Cash Card
24/7 Visa Signature Concierge service
Extra cash back at select merchants with personalized deals

Protections & insuranceLimits where published · — means none on record

Rental car: Bilt Blue Card
Secondary rental car collision damage waiver
Wells Fargo Active Cash Card
Up to $50,000 rental car coverage when you decline the count
Purchase & returns: Bilt Blue Card
$1,000 purchase protection per item for 90 days
Wells Fargo Active Cash Card
—
Cell phone: Bilt Blue Card
Up to $800 cell phone protection per claim
Wells Fargo Active Cash Card
Up to $600 coverage for damaged or stolen phones
Other protections: Bilt Blue Card
—
Wells Fargo Active Cash Card
24/7 worldwide travel and emergency assistance
Get emergency cash and card replacement worldwide
Check your FICO score anytime for free
24/7 roadside help with free towing up to 5 miles

Pros & cons

Pros: Bilt Blue Card
No annual fee
Earn up to 1.25X points on rent and mortgage with no transaction fees
4% Bilt Cash on all non-housing spend (stackable with 1X points)
$100 Bilt Cash welcome bonus with no spending requirement
Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
Wells Fargo Active Cash Card
Unlimited 2% cash back on every purchase with no category limits
No annual fee
$100 welcome bonus after just $500 spend in 3 months
0% intro APR for 12 months on purchases and balance transfers
Cell phone protection up to $600 per claim when paying bill with card
Cons: Bilt Blue Card
Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
Most Bilt Cash expires at year-end (only $100 rolls over)
No bonus categories like dining or travel (those are Obsidian features)
Fewer card-specific protections than Obsidian or Palladium
Wells Fargo Active Cash Card
3% foreign transaction fee makes it poor for international use
No bonus categories - heavy dining/travel spenders earn less than category cards
Points have no transfer partners (cash back only)
Requires good to excellent credit
Penalty APR of 29.99% for late payments

Card details

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Category-by-Category Winner

The Wells Fargo Active Cash Card wins in 3 of 3 categories. The Bilt Blue Card leads in 0.

Rent

Wells Fargo Active Cash Card earns 2X vs 1.25X

Mortgage

Wells Fargo Active Cash Card earns 2X vs 1.25X

Everyday purchases

Wells Fargo Active Cash Card earns 2X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Bilt Blue Card	Wells Fargo Active Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340	Rewards: $348 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $348 Year one: $448	Wells Fargo Active Cash Card	Wells Fargo Active Cash Card
Heavy spender: $4,000/month	Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060	Rewards: $1,392 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,392 Year one: $1,492	Wells Fargo Active Cash Card	Wells Fargo Active Cash Card

Which Card Is Right for You?

Get the Wells Fargo Active Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Wells Fargo Active Cash Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Wells Fargo Active Cash Card?: The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Bilt Blue Card have that the Wells Fargo Active Cash Card doesn't?: The Bilt Blue Card offers cell phone protection. The Wells Fargo Active Cash Card offers cell phone protection.
Should I get the Bilt Blue Card or the Wells Fargo Active Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Cardless cards · Wells Fargo cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.