Bilt Bilt Obsidian Card Capital One Venture X Rewards
Bilt Obsidian Card
$95/yr
Capital One Venture X Rewards
$395/yr
Every $1 · two cards
Bilt Obsidian Card earns more in 1 of 9 categories · Capital One Venture X Rewards in 8
- Dining1×2.2¢ per $12×3.6¢ per $1
- Groceries1×2.2¢ per $12×3.6¢ per $1
- Gas1×2.2¢ per $12×3.6¢ per $1
- Flights1×2.2¢ per $15×9¢ per $1
via Capital One Travel
- Hotels1×2.2¢ per $110×18¢ per $1
via Capital One Travel
- Everything else1×2.2¢ per $12×3.6¢ 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
Bilt
Bilt Obsidian Card
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $200
- Min spend
- $0
Top earning rates
- 4×Everyday Spend
- 4×Travel · Bilt Points
- 3×Selected category · Bilt Points
- 2×Other everyday purchases · Bilt Points
Key benefits
- Extended Warranty · $10000
- $100 Bilt Travel Hotel Credit · $50
- Trip Delay Reimbursement · $0
- Purchase Assurance · $0
- MasterRental Coverage · $0
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
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