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 Journey℠ Card ($95/yr) comes down to where you spend most. Both cost $95 a year, and Wells Fargo Autograph Journey Card earns at least as much as Bilt Obsidian Card in every category, more on flights, hotels and other travel. 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 hotels at 5%. 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 Obsidian Card | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | None | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 2% | 4% |
| Hotels Rewards | 2% | 5% |
| Other travel Rewards | 2% | 3% |
| Dining Rewards | 3% | 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. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
Wells Fargo Autograph Journey Card wins on travel.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings), while 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.