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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Capital One Venture Business

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Venture Business

Capital One Venture Business

$95/yr

Every $1 · two cards

Bilt Palladium Card earns more in 8 of 9 categories · Capital One Venture Business in 1

  • Dining
    2×4.4¢ per $1
    2×3.6¢ per $1
  • Groceries
    2×4.4¢ per $1
    2×3.6¢ per $1
  • Gas
    2×4.4¢ per $1
    2×3.6¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    2×3.6¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    5×9¢ per $1

    via Capital One Business Travel

  • Everything else
    2×4.4¢ 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: Capital One Venture BusinessBigger welcome offer: Bilt Bilt Palladium Card

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Bilt dining · Bilt Points
  • 4×Everyday purchases · Bilt Cash
  • 4×Lyft · Bilt Points
  • 4×Hotels · Bilt Points

Key benefits

  • $400 Bilt Travel Hotel Credit · $200
  • $200 of Bilt Cash · $200
  • Concierge Service. · $0
  • No Foreign Transaction Fees · $0
  • Priority Pass Membership · $0
Full Bilt Bilt Palladium Card review

Capital One

Venture Business

Annual fee
$95
Network
visa
Welcome value
$1,000
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 2×All other purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • Lifestyle Collection stay benefits · $50
  • Advertising and software statement credit · $50
  • Annual Capital One Business Travel credit · $50
  • Capital One Business Travel access · $0
Full Capital One Venture Business 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.

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