Choosing between the Bilt Card (Blue) (no annual fee) and the Wells Fargo Active Cash Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUnlimited 2% cash rewards on all purchases with no categories to track. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Card (Blue) | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 2.0% |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | Unlimited 2% cash rewards on all purchases with no categories to track. |
Wells Fargo Active Cash Card wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.