Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Bilt Bilt Blue Card Capital One Venture X Rewards

Bilt Blue Card

$0/yr

Bilt Blue Card
Venture X Rewards

Capital One Venture X Rewards

$395/yr

Every $1 · two cards

Bilt Blue Card earns more in 1 of 9 categories · Capital One Venture X Rewards in 8

  • Dining
    1×2.2¢ per $1
    2×3.6¢ per $1
  • Groceries
    1×2.2¢ per $1
    2×3.6¢ per $1
  • Gas
    1×2.2¢ per $1
    2×3.6¢ per $1
  • Flights
    2×4.4¢ per $1

    via Bilt Travel

    5×9¢ per $1

    via Capital One Travel

  • Hotels
    3×6.6¢ per $1

    via Bilt Travel

    10×18¢ per $1

    via Capital One Travel

  • Everything else
    1×2.2¢ per $1
    2×3.6¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Bilt Bilt Blue CardBigger welcome offer: Capital One Venture X Rewards

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
$100
Min spend
$0

Top earning rates

  • 4×Everyday Spend
  • 4×Bilt dining partners · Bilt Points
  • 3×Hotels · Bilt Points
  • 3×Lyft · Bilt Points

Key benefits

  • Rent Day double points · $0
  • No transaction fees on housing payments · $0
  • MasterRental Coverage · $0
  • Cellular Wireless Telephone Protection · $0
  • No-fee authorized users · $0
Full Bilt Bilt Blue Card review

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels & rental cars · Capital One Miles
  • 5×Flights and vacation rentals · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection Vacation Rental Experience Credit · $100
  • Premier Collection Hotel Experience Credit · $100
  • Lifestyle Collection Vacation Rental Experience Credit · $50
Full Capital One Venture X Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer