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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Capital One Venture Rewards

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Venture Rewards

Capital One Venture Rewards

$95/yr

Every $1 · two cards

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

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 Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

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

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture 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.

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