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Bilt Blue Card vs Wells Fargo Autograph

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Wells Fargo Autograph leads by 6.6 pts. Scores: Bilt Blue Card 63.0%, Wells Fargo Autograph 69.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Bilt Blue Card nets $230/yr, Wells Fargo Autograph nets $427/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCard: 10.0 · Autograph: 10.0
Rewards rateCard: 5.5 · Autograph: 5.0
Sign-up bonusCard: 1.3 · Autograph: 2.7
Intro 0% APRCard: n/a · Autograph: 5.7
Regular APRCard: 2.3 · Autograph: 7.3
Foreign transaction feeCard: 10.0 · Autograph: 10.0
Regulatory record (CFPB)Card: 10.0 · Autograph: 8.0

Bilt Blue Card

IssuerBilt (Cardless)
Typeno annual fee
Annual fee$0 bilt.com, 2026-10-11
Regular purchase APR26.74%–34.74% variable bilt.com, 2026-10-11
RewardsUp to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction fee bilt.com, 2026-10-11
Sign-up bonus (≈$)$100 $100 of Bilt Cash bilt.com, 2026-10-11
Intro APRnot found
Foreign transaction feenone bilt.com, 2026-10-11
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found
Grace periodnot found
Cash advance APRnot found

Wells Fargo Autograph

IssuerWells Fargo
Typeno annual fee
Annual fee$0 creditcards.wellsfargo.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable creditcards.wellsfargo.com, 2026-10-11
Rewards3x restaurants, travel, gas & transit, streaming, phone plans; 1x other creditcards.wellsfargo.com, 2026-10-11
Sign-up bonus (≈$)$200 20,000 points after $1,000 in 3 months ($200 cash value) creditcards.wellsfargo.com, 2026-10-11
Intro APR12 months 0% intro APR 12 months on purchases creditcards.wellsfargo.com, 2026-10-11
Foreign transaction feenone creditcards.wellsfargo.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.49%–28.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Bilt Blue Card63.0%
Bilt (Cardless) · no annual fee
Annual fee $0APR 26.74%–34.74% variableRewards Up to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction feeCredit not found
⚠ APR up to 34.74% if you carry a balance · Rent earns 'up to 1.25x' with no fee; Bilt dining/travel network bonuses not modeled.
Wells Fargo Autograph69.6%
Wells Fargo · no annual fee
Annual fee $0APR 18.74%–28.74% variableRewards 3x restaurants, travel, gas & transit, streaming, phone plans; 1x otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · 3x on phone plans counted under utilities.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Bilt Blue Card or Wells Fargo Autograph?

On VaultRubric's rubric: Wells Fargo Autograph scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.