Wells Fargo Autograph vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Bilt Mastercard wins 1-0. Pay rent without fees — only no-fee card that earns points on rent. Wells Fargo Autograph is still the right call if no-fee 3x on six categories — broader than most no-fee competitors..
Side-by-side
| Criterion | Wells Fargo Autograph | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (travel) | = 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Wells Fargo Autograph
- 3x on dining, travel, gas, transit, streaming, cell phone
- 1x on everything else
- No annual fee, no foreign transaction fees
- 0% intro APR for 12 months
- Cell phone protection up to $600/claim
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Wells Fargo Autograph vs Wells Fargo Bilt Mastercard: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Autograph for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.