Bilt Mastercard vs Capital One Venture X Rewards
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
$395
Base Rewards
1x
vs
2x
Sign-Up Bonus
None
vs
$750
Editor Score
9/10
vs
10/10
Detailed Comparison
| Category wins | 2/6 | 4/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | $395✗ Highest |
| Purchase APR | 21.49% – 29.49% | 19.99% – 29.99% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | None |
| Rewards | ||
| Rewards Type | Points | Miles |
| Base Rewards Rate | 1x✗ Lowest | 2x★ Highest |
| Bonus Categories | 3x Dining · 2x Travel · 1x Rent payments | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) |
| Sign-Up Bonus | ✗ Lowest | $750 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Excellent (750+) |
| Network | Mastercard | Visa |
| At a Glance | ||
| Best For | Renters wanting to turn monthly rent into travel rewards | Premium travelers seeking maximum value |
| Ratings | ||
| User Rating | 4.6 / 5✗ Lowest | 4.8 / 5★ Highest |
| Editor Score | 9 / 10✗ Lowest | 10 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Capital One Venture X Rewards
The Bilt Mastercard (no annual fee) and the Capital One Venture X Rewards ($395/year) compete on different axes. The Bilt Mastercard's strongest category is 3x on Dining, while the Capital One Venture X Rewards leads with 10x on Hotels & Cars (Capital One). The Capital One Venture X Rewards costs $395 more per year, so you need at least $395 in incremental rewards to justify it over the Bilt Mastercard. At typical spend levels this breaks even somewhere between $11,850 and $23,700 in bonus-category purchases annually. Our scoring model gives the edge to the Capital One Venture X Rewards — it leads on 4 of the 6 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 4 of 6 key comparison dimensions
Dimension-by-dimension
| Dimension | Bilt Mastercard | Capital One Venture X Rewards |
|---|---|---|
| Annual Fee | no annual fee | $395/year |
| Base Reward Rate | 1x on everything | 2x on everything |
| Top Bonus Category | 3x on Dining | 10x on Hotels & Cars (Capital One) |
| Sign-Up Bonus | None advertised | 75,000 miles after spending $4,000 in 3 months |
| Lounge Access | No | Yes |
| Credit Score Required | good | excellent |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Bilt Mastercard or Capital One Venture X Rewards?
It depends on your spending habits. The Bilt Mastercard has no annual fee and earns 1x base rewards. The Capital One Venture X Rewards has a $395 annual fee and earns 2x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Bilt Mastercard and Capital One Venture X Rewards?
The Bilt Mastercard has no annual fee while the Capital One Venture X Rewards has a $395 annual fee. The Capital One Venture X Rewards costs $395 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Bilt Mastercard and Capital One Venture X Rewards?
Yes, since these cards are from different issuers (Wells Fargo and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.