Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt World Elite Mastercard (no annual fee) and the Wells Fargo Autograph Journey℠ Card ($95/yr) 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.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 3%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Bilt World Elite Mastercard | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4.0% | 1.0% |
| Travel Rewards | 4% | 3% |
| Dining Rewards | 4% | 3% |
| Rates with conditions not counted in the rows above |
None |
5% on hotels Earns 5% only on hotel stays. Other travel earns 3%. 4% on airlines Earns 4% only on airline purchases. Other travel earns 3%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, gas spending.
The $95/year fee difference means Wells Fargo Autograph Journey Card needs to earn about that much more in rewards to justify its cost.
Wells Fargo Autograph Journey Card carries $50/year in credits (mostly unlocked by everyday bonus-category spending). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.