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BILT just changed EVERYTHING with their 2.0 launch, and honestly? It’s not for everyone.
I broke down all 3 cards (Blue, Obsidian, Palladium) and ran the real numbers on what you’d actually need to spend to make them worth it. Spoiler: that 75% spending rule is a dealbreaker for most churners.
If you’re debating whether to jump on Bilt or stick with your sign-up bonus strategy, this breakdown will save you from making an expensive mistake.

BILT CARDHOLDERS: You have until January 30 to make a decision or Wells Fargo will make it for you.
If you do nothing, you’re getting converted to a Wells Fargo Autograph on Feb 7 whether you want it or not.
I put together a quick guide on exactly what to do if you want:
✅ Both cards
✅ Only the new Bilt
✅ Only Wells Fargo Autograph
✅ NEITHER card
Don’t miss these deadlines!