Bilt Obsidian Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: Bilt Obsidian Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Bilt Obsidian CardCardless · $95/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Bilt Obsidian Card$95Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Bilt Obsidian CardBilt PointsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Bilt Obsidian CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Bilt Obsidian CardMastercard World EliteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Bilt Obsidian Card3xWells Fargo Autograph Visa Credit Card3x
- Gas Stations
- Bilt Obsidian Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Grocery Stores
- Bilt Obsidian Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Streaming
- Bilt Obsidian Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Bilt Obsidian Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Bilt Obsidian Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Bilt Obsidian Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Mortgage
- Bilt Obsidian Card1.25xHighestWells Fargo Autograph Visa Credit Card1x
- Rent
- Bilt Obsidian Card1.25xHighestWells Fargo Autograph Visa Credit Card1x
- Everything else
- Bilt Obsidian Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Bilt Obsidian Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
Show 3 more
- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
Wells Fargo Autograph Visa Credit Card— - Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Wells Fargo Autograph Visa Credit Card— - Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Wells Fargo Autograph Visa Credit Card- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- Bilt Obsidian Card—Wells Fargo Autograph Visa Credit Card
- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Bilt Obsidian Card
- 3x points on your choice of dining or grocery (up to $25K/year on grocery)
- 2x points on travel
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- $200 Bilt Cash welcome bonus upon approval (no spending required)
- $100 annual Bilt Travel hotel credit ($50 semiannually)
Wells Fargo Autograph Visa Credit Card- 3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
- No annual fee with transferable points (rare combination)
- 1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- Bilt Obsidian Card
- $95 annual fee plus $50 per authorized user
- Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
- Bilt Cash expires at year-end with only $100 rollover
- Grocery bonus category capped at $25K/year spending
- Hotel credit requires 2-night minimum via Bilt Travel portal
Wells Fargo Autograph Visa Credit Card- Only 1X on groceries and general shopping
- Welcome bonus of 20,000 points ($200 value) is modest
- Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
- No premium travel benefits like lounge access or travel insurance
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Wells Fargo Autograph Visa Credit Card wins in 5 of 7 categories. The Bilt Obsidian Card leads in 2. 1 more category depend on booking channel or caps.
Rent
Bilt Obsidian Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee; no annual cap on housing payments
Mortgage
Bilt Obsidian 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 2X
Grocery Stores
Depends: up to $25,000/yr; 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
Bilt Obsidian Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
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
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 Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Obsidian Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $189 Year one: $389 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
Is the Fee Difference Worth It?
The Bilt Obsidian Card costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Bilt Obsidian Card needs roughly $95 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
Which Card Is Right for You?
Get the Bilt Obsidian Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Bilt Obsidian Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Bilt Obsidian Card worth the higher annual fee?
- The Bilt Obsidian Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Bilt Obsidian Card or Wells Fargo Autograph Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bilt Obsidian Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Bilt Obsidian Card offers cell phone protection. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Bilt Obsidian Card or the Wells Fargo Autograph Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Visa Credit Card has a lower $0/yr fee; the Bilt Obsidian Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.