Bilt Blue Card vs Capital One Venture Rewards Credit Card
Annual fees: Bilt Blue Card $0/yr, Capital One Venture Rewards Credit Card $95/yr. Strongest bonus categories: Bilt Blue Card on rent and dining, Capital One Venture Rewards Credit Card on hotels.
Card data as of November 13, 2026.
Bilt Blue CardCardless · No annual fee
Capital One Venture Rewards Credit CardCapital One · $95/yr
Overview
- Annual fee
- Bilt Blue Card$0LowestCapital One Venture Rewards Credit Card$95
- Welcome offerCurrent public offer
- Bilt Blue Card$100 in rewardsCapital One Venture Rewards Credit Card75,000 miles
- Rewards
- Bilt Blue CardBilt PointsCapital One Venture Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Bilt Blue CardNoneCapital One Venture Rewards Credit CardNone
- Network
- Bilt Blue CardMastercard World EliteCapital One Venture Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Mortgage
- Bilt Blue Card1.25xCapital One Venture Rewards Credit Card2xHighest
- Rent
- Bilt Blue Card1.25xCapital One Venture Rewards Credit Card2xHighest
- Everything else
- Bilt Blue Card1xCapital One Venture Rewards Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Perks & access— means none on record
- Lounges
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
- Hotel status & programs
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
- Car rental
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
- Other perks
- Bilt Blue Card
- No foreign transaction fees
Capital One Venture Rewards Credit Card- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
- Rental car
- Bilt Blue Card
- Secondary rental car collision damage waiver
Capital One Venture Rewards Credit Card- Secondary Auto Rental Collision Damage Waiver for Rental
- Purchase & returns
- Bilt Blue Card
- $1,000 purchase protection per item for 90 days
Capital One Venture Rewards Credit Card- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
- Extended warranty
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- Bilt Blue Card
- Up to $800 cell phone protection per claim
Capital One Venture Rewards Credit Card— - Other protections
- Bilt Blue Card—Capital One Venture Rewards Credit Card
- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Pros & cons
- Pros
- Bilt Blue Card
- No annual fee
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- 4% Bilt Cash on all non-housing spend (stackable with 1X points)
- $100 Bilt Cash welcome bonus with no spending requirement
- Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
Capital One Venture Rewards Credit Card- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
- Cons
- Bilt Blue Card
- Only 1X points on non-housing purchases (below average for flat-rate cards)
- Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
- Most Bilt Cash expires at year-end (only $100 rolls over)
- No bonus categories like dining or travel (those are Obsidian features)
- Fewer card-specific protections than Obsidian or Palladium
Capital One Venture Rewards Credit Card- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
Category-by-Category Winner
The Capital One Venture Rewards Credit Card wins in 6 of 6 categories. The Bilt Blue Card leads in 0.
Rent
Capital One Venture Rewards Credit Card earns 2X vs 1.25X
Mortgage
Capital One Venture Rewards Credit Card earns 2X vs 1.25X
Hotels
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Everyday purchases
Capital One Venture Rewards Credit Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
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 Venture Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Close — depends on how much of the credits you use | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture Rewards Credit Card costs $95/yr — that's $95 more than the Bilt Blue Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Capital One Venture Rewards Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Blue Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Published annual fees: Bilt Blue Card $0/yr, Capital One Venture Rewards Credit Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture Rewards Credit Card worth the higher annual fee?
- The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Bilt Blue Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture Rewards Credit Card also lists travel credits).
- Which card earns more rewards, the Bilt Blue Card or Capital One Venture Rewards Credit Card?
- The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Bilt Blue Card have that the Capital One Venture Rewards Credit Card doesn't?
- The Bilt Blue Card offers cell phone protection. The Capital One Venture Rewards Credit Card offers travel credits.
- Should I get the Bilt Blue Card or the Capital One Venture Rewards Credit Card?
- Use the spend scenarios on this page: the Bilt Blue Card has a lower $0/yr fee; the Capital One Venture Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.