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Bilt Blue Card vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Wells Fargo Active CashWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4.5/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 18.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | $200 cash rewards bonus after spending $500 in 3 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 2% cash rewards on all purchases |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months on purchases and balance transfers |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% |
| View Details → | View Details → |
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Verdict
Our Pick: Wells Fargo Active Cash
With a 4.5/5 rating, the Wells Fargo Active Cash edges out the Bilt Blue Card (4.2/5). No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.