Bilt Bilt Palladium Card Capital One Venture X Rewards
Bilt Palladium Card
$495/yr
Capital One Venture X Rewards
$395/yr
Every $1 · two cards
Bilt Palladium Card earns more in 7 of 9 categories · Capital One Venture X Rewards in 2
- Dining2×4.4¢ per $12×3.6¢ per $1
- Groceries2×4.4¢ per $12×3.6¢ per $1
- Gas2×4.4¢ per $12×3.6¢ per $1
- Flights3×6.6¢ per $1
via Bilt Travel
5×9¢ per $1via Capital One Travel
- Hotels4×8.8¢ per $1
via Bilt Travel
10×18¢ per $1via Capital One Travel
- Everything else2×4.4¢ 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 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
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