The Bilt Obsidian Card and Wells Fargo Attune are closely matched. Bilt Obsidian Card wins on 2 categories ($2 signup bonus); Wells Fargo Attune wins on 2 ($1 signup bonus). The better pick depends on your spending patterns.
Bilt Obsidian Card vs Wells Fargo Attune
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 3x
- Groceries 3x
- Rent Payments 3x
- gym memberships, salons and spas 4x
- select sports, recreation, and entertainment 4x
- public transit, electric vehicle charging, and select thrift stores 4x
- Bilt Travel Hotel Credit $50
- Pay rent and mortgage with no transaction fee
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Common Questions: Bilt Obsidian Card vs Wells Fargo Attune
Is the Bilt Obsidian Card or Wells Fargo Attune better for dining?
Bilt Obsidian Card earns 3x on dining; Wells Fargo Attune has no dining bonus.
Which has the higher signup bonus in 2026?
Bilt Obsidian Card currently offers $2 signup bonus. Wells Fargo Attune offers $1 signup bonus (spend $500 in 3 months). Bilt Obsidian Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bilt Obsidian Card and the Wells Fargo Attune?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Obsidian Card is from Cardless and Wells Fargo Attune is from Wells Fargo, so they're governed by separate bank policies.