Bilt Obsidian Card vs Wells Fargo Autograph Journey Visa Credit Card
Both cards cost $95/yr. The Bilt Obsidian Card leads on rent and dining; the Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
Bilt Obsidian CardCardless · $95/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Bilt Obsidian Card$95Wells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Bilt Obsidian CardBilt PointsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Bilt Obsidian CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- Bilt Obsidian CardMastercard World EliteWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Bilt Obsidian Card1xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Bilt Obsidian Card1xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- Bilt Obsidian Card3xWells Fargo Autograph Journey Visa Credit Card3x
- Grocery Stores
- Bilt Obsidian Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- Bilt Obsidian Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Mortgage
- Bilt Obsidian Card1.25xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Rent
- Bilt Obsidian Card1.25xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Everything else
- Bilt Obsidian Card1xWells Fargo Autograph Journey Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
Wells Fargo Autograph Journey Visa Credit Card- $50 airline credit
Perks & access— means none on record
- Hotel status & programs
- Bilt Obsidian Card—Wells Fargo Autograph Journey Visa Credit Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
Wells Fargo Autograph Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Wells Fargo Autograph Journey Visa Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Wells Fargo Autograph Journey Visa Credit Card- Auto rental collision damage waiver
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
Wells Fargo Autograph Journey Visa Credit Card- Zero liability protection
- Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Wells Fargo Autograph Journey Visa Credit Card- Cellular Telephone Protection · up to $1,000
- Other protections
- Bilt Obsidian Card—Wells Fargo Autograph Journey Visa Credit Card
- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
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 Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- 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 Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
The Wells Fargo Autograph Journey Visa Credit Card wins in 3 of 5 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 Journey 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 Journey Visa Credit Card earns 1X (1X without restrictions)
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X 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.
Close — depends on how much of the credits you use
| Scenario | Bilt Obsidian Card | Wells Fargo Autograph Journey 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: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Close — depends on how much of the credits you use | Wells Fargo Autograph Journey 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: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Close — depends on how much of the credits you use | Wells Fargo Autograph Journey Visa Credit Card |
Which Card Is Right for You?
Get the Bilt Obsidian Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Bilt Obsidian Card or Wells Fargo Autograph Journey 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 Journey Visa Credit Card doesn't?
- The Bilt Obsidian Card offers cell phone protection. The Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the Bilt Obsidian Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.