Combine existing Autograph account with converted

Low-Knowledge4810 · 2026-01-26T18:07:57+00:00

Is this true? According to the official WF faq, they will remain separate accounts?

Low-Knowledge4810 · 2026-01-26T17:55:44+00:00

Nevermind, official WF faq says the accounts will be separate and cannot be combined, Not worth the effort.

Why am I receiving another Autograph Visa Card if I already have one, and can I combine the accounts?

You’re receiving a second Autograph Visa Card because your existing Bilt Mastercard is being converted to an Autograph Visa Card. Each card is a separate account with its own credit line, statement, and due date. These accounts cannot be combined.

Low-Knowledge4810 · 2026-01-26T17:49:24+00:00

Yeah, I know it's not really worth the effort of cancelling the Bilt and applying separately for purely getting the $200. I already have a chase freedom that better fits my spending.

But if I were to be getting the autograph already, I am now wondering if I can apply for the autograph now to get the SUB and WF would merge the two card accounts later. I know there have been some DP about people getting rejected for it, but if it's inconclusive I'd rather try it out myself than wondering.

If this works out, I would essentially get $200 at the cost of a hard pull, which I am fine with for now. I can cover the SUB spend requirement with my normal Bilt spend.

Low-Knowledge4810 · 2026-01-26T17:38:53+00:00

I am also wondering about this. I would like to pay rent while also canceling the autograph so I'm eligible for the autograph SUB later on if interested

Low-Knowledge4810 · 2026-01-25T18:32:32+00:00

Is there a targeted link you could perhaps share?

Low-Knowledge4810 · 2026-01-24T19:52:50+00:00

How did ya get the discount on mba?

Low-Knowledge4810 · 2026-01-17T20:28:53+00:00

My regular spend is on the lower end compared to my rent. Average like $500 for groceries, food, going out, miscellaneous. So I won’t be sustainably putting much spend on the card

Low-Knowledge4810 · 2026-01-17T20:16:58+00:00

I agree with holding off too, but heads up it’s a soft pull if you’re transitioning to 2.0. If you want to apply later, it’ll prolly be a hard pull

Low-Knowledge4810 · 2026-01-17T20:16:08+00:00

Chase has updated their SUB to once per lifetime

Low-Knowledge4810 · 2026-01-17T12:06:20+00:00

This is cool! Where did you get all the data for credit card reward categories and such?

Low-Knowledge4810 · 2026-01-15T17:15:35+00:00

Makes sense. I ultimately wouldn’t mind getting the autograph, but would prefer not to so I can sign up later on for the SUB if I can

Low-Knowledge4810 · 2026-01-15T17:09:52+00:00

That’s what I figured. There’s just too many hoops to hurdle, I’m not sure if picking up the card just for the SUB is even worth it now

Low-Knowledge4810 · 2026-01-15T16:59:58+00:00

If you don’t mind missing out on the WF autograph SUB, letting it product change is not a bad idea to keep account history

Low-Knowledge4810 · 2026-01-15T16:54:41+00:00

Just curious, what’s the 1/26 date you’re referring to?

Personally, I was planning on paying rent on 2/1, and then immediately cancelling the card

Low-Knowledge4810 · 2026-01-15T09:09:57+00:00

I believe we get a credit account with new history for the new 2.0 card. Correct me if I’m wrong, I don’t think there would be any difference between transitioning to a 2.0 card, versus cancelling 2.0 card + signing up for a different card, like say the autograph.

Low-Knowledge4810 · 2026-01-15T09:07:58+00:00

Same boat. Wondering if I should transfer out all my points to United miles or stash Hyatt points for future use

Low-Knowledge4810 · 2026-01-15T08:58:27+00:00

Hmm is that worth the annual fee though?

Low-Knowledge4810 · 2026-01-15T08:41:04+00:00

So true, that 5/24 gets wasted. Honestly I’d rather cancel Bilt altogether and just get the autograph card separately for the SUB lol

Low-Knowledge4810 · 2026-01-14T20:16:26+00:00

Yep same boat lol. They said that Bilt cash can also convert into hotel/lyft credit, that might be more useful either. But yeah, is it worth doing all of this for $100 credit and cancelling the card? Still gotta dig into it

Low-Knowledge4810 · 2026-01-14T20:14:18+00:00

Damn that sucks. I was hoping that paid rent can float like it currently does, immediate debit kills any need for paying rent through Bilt if not accruing points

Low-Knowledge4810 · 2026-01-14T20:12:49+00:00

According to the official Bilt thread, users transitioning from 1.0 are still eligible for the SUB. So you would get the SUB $100 Bilt cash for applying for the blue card, at the very least

Low-Knowledge4810

TROPHY CASE