Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Blue Card | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Gas Stations | 1X |
The Wells Fargo Autograph Visa Credit Card wins in 6 of 8 categories. The Bilt Blue Card leads in 2.
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Ongoing value favors the Bilt Blue Card; year-one value favors the Wells Fargo Autograph Visa Credit Card.
| 3X |
| Streaming | 1X | 3X |
| Telecom | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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.
Ongoing value favors the Bilt Blue Card; year-one value favors the Wells Fargo Autograph Visa Credit Card.
| Scenario | Bilt Blue Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $364 | Rewards: $255 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $255 Year one: $505 | Bilt Blue Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,156 | Rewards: $1,020 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,020 Year one: $1,270 | Bilt Blue Card | Wells Fargo Autograph Visa Credit Card |
Get the Wells Fargo Autograph Visa Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
