The Bilt Obsidian Card edges out the Wells Fargo Reflect for most cardholders — it wins on 3 of 4 comparison categories and offers $2 signup bonus earns more (up to 3x vs 1x). The Wells Fargo Reflect is the better choice if you want no or lower annual fee.
Bilt Obsidian Card vs Wells Fargo Reflect
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
- 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 Reflect
Is the Bilt Obsidian Card or Wells Fargo Reflect better for dining?
Bilt Obsidian Card earns 3x on dining; Wells Fargo Reflect has no dining bonus.
Which has the higher signup bonus in 2026?
Bilt Obsidian Card currently offers $2 signup bonus. Wells Fargo Reflect offers no current bonus. Bilt Obsidian Card has the larger bonus.
Which card is better for international travel?
Bilt Obsidian Card charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.
Can I hold both the Bilt Obsidian Card and the Wells Fargo Reflect?
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 Reflect is from Wells Fargo, so they're governed by separate bank policies.