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Bilt Blue Card vs Wells Fargo Reflect Card
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 Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 17.49% - 28.24% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | None |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | No rewards — this is a 0% intro APR card for balance transfers and 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 | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| 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 | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Bilt Blue Card
With a 4.2/5 rating, the Bilt Blue Card edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The Bilt Blue is the only no-fee card that earns rewards on rent and mortgage payments. With transfer partners like Hyatt and airlines, the points can be worth 2cpp+ for travel.