Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the Capital One Quicksilver Cash Rewards Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Blue Card | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Entertainment | 1X | 5X |
| Mortgage | 1.25X |
The Bilt Blue Card wins in 2 of 3 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 1. 1 more category depend on booking channel or caps.
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Travel
Depends: via issuer travel portal
Capital One Quicksilver Cash Rewards Credit Card earns 5X when conditions are met; Bilt Blue Card earns 1X (1X without restrictions)
Entertainment
Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Bilt Blue Card | Capital One Quicksilver Cash Rewards Credit Card | Ongoing winner |
|---|
Modeled value is close across spend levels — especially once statement credits are counted.
| 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Year-one winner |
|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $364 | Rewards: $120 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $185 Year one: $385 | Bilt Blue Card | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,156 | Rewards: $480 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $545 Year one: $745 | Bilt Blue Card | Bilt Blue Card |
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
