Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Blue Card vs Capital One VentureOne Rewards Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One VentureOne Rewards Credit Card wins on hotels. Here's how they compare.

Bilt Blue Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Bilt Blue Card	Capital One VentureOne Rewards Credit Card
Dining	3X	1X
Lyft	3X	1X
Mortgage	1.25X	1X
Rent	1.25X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

Cons

−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

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 4 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Capital One Venture One Amex Green vs Capital One Venture One Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bilt Blue Card vs Capital One VentureOne Rewards Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One VentureOne Rewards Credit Card wins on hotels. Here's how they compare.

Bilt Blue Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Bilt Blue Card	Capital One VentureOne Rewards Credit Card
Dining	3X	1X
Lyft	3X	1X
Mortgage	1.25X	1X
Rent	1.25X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

Cons

−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

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 4 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Capital One Venture One Amex Green vs Capital One Venture One Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Capital One cards

Bilt Blue Card vs Capital One VentureOne Rewards Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One VentureOne Rewards Credit Card wins on hotels. Here's how they compare.

Bilt Blue Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Bilt Blue Card	Capital One VentureOne Rewards Credit Card
Dining	3X	1X
Lyft	3X	1X
Mortgage	1.25X	1X
Rent	1.25X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

Cons

−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

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 4 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Capital One VentureOne Rewards Credit Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Capital One VentureOne Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Capital One Venture One Amex Green vs Capital One Venture One Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Capital One cards