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 Obsidian Card ($95/yr) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Wells Fargo Autograph Card comes out ahead of Bilt Obsidian Card at every spending level on the rates you earn anywhere: Bilt Obsidian Card never earns enough more to cover its $95 higher annual fee. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Obsidian Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | None | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 2% | 3% |
| Dining Rewards | 3% | 3% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
None |
| Key Benefits | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Wells Fargo Autograph Card wins on travel, gas.
The $95/year fee difference means Bilt Obsidian Card needs to earn about that much more in rewards to justify its cost.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings). 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.