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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Wells Fargo Autograph Journey

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Wells Fargo Autograph Journey card art
Wells Fargo Autograph Rewards
Wells Fargo Autograph Journey
Wells Fargo
More Info
Annual Fee
$495/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • Hotels 5x
  • Airlines 4x
  • Other Travel and Restaurants 3x
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • Annual Statement Credit $50
Card Perks
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
None listed
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
  • Aer Lingus AerClub
  • Flying Blue
  • Avianca LifeMiles
  • British Airways Executive Club
  • Iberia Plus
  • +3 more
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Common Questions: Bilt Palladium Card vs Wells Fargo Autograph Journey

Is the Bilt Palladium Card or Wells Fargo Autograph Journey better for dining?

Bilt Palladium Card earns 6x on dining; Wells Fargo Autograph Journey earns 3x on dining. Bilt Palladium Card wins for dining.

Which has the higher signup bonus in 2026?

Bilt Palladium Card currently offers 50,000 pts signup bonus (spend $4,000 in 3 months). Wells Fargo Autograph Journey offers 60,000 pts signup bonus (spend $4,000 in 3 months). Bilt Palladium 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 Palladium Card and the Wells Fargo Autograph Journey?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Palladium Card is from Cardless and Wells Fargo Autograph Journey is from Wells Fargo, so they're governed by separate bank policies.