Bilt Obsidian Card vs Capital One Venture Rewards Credit Card
Both cards cost $95/yr. The Bilt Obsidian Card leads on rent and dining; the Capital One Venture Rewards Credit Card on hotels.
Card data as of November 13, 2026.
Bilt Obsidian CardCardless · $95/yr
Capital One Venture Rewards Credit CardCapital One · $95/yr
Overview
- Annual fee
- Bilt Obsidian Card$95Capital One Venture Rewards Credit Card$95
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsCapital One Venture Rewards Credit Card75,000 miles
- Rewards
- Bilt Obsidian CardBilt PointsCapital One Venture Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Bilt Obsidian CardNoneCapital One Venture Rewards Credit CardNone
- Network
- Bilt Obsidian CardMastercard World EliteCapital One Venture Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Bilt Obsidian Card3xHighestCapital One Venture Rewards Credit Card2x
- Grocery Stores
- Bilt Obsidian Card3xHighestCapital One Venture Rewards Credit Card2x
- Mortgage
- Bilt Obsidian Card1.25xCapital One Venture Rewards Credit Card2xHighest
- Rent
- Bilt Obsidian Card1.25xCapital One Venture Rewards Credit Card2xHighest
- Travel
- Bilt Obsidian Card2xCapital One Venture Rewards Credit Card2x
- Everything else
- Bilt Obsidian Card1xCapital One Venture Rewards Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
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 Obsidian Card—Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
- Hotel status & programs
- Bilt Obsidian Card—Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
- Car rental
- Bilt Obsidian Card—Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% 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 Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
Capital One Venture Rewards Credit Card- Travel Accident Cover at No Extra Charge
- Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Capital One Venture Rewards Credit Card— - Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Capital One Venture Rewards Credit Card- Secondary Auto Rental Collision Damage Waiver for Rental
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
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 Obsidian Card
- Extended warranty up to $10,000/claim
Capital One Venture Rewards Credit Card- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Capital One Venture Rewards Credit Card— - Other protections
- Bilt Obsidian 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 Obsidian Card
- 3x points on your choice of dining or grocery (up to $25K/year on grocery)
- 2x points on travel
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- $200 Bilt Cash welcome bonus upon approval (no spending required)
- $100 annual Bilt Travel hotel credit ($50 semiannually)
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 Obsidian Card
- $95 annual fee plus $50 per authorized user
- Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
- Bilt Cash expires at year-end with only $100 rollover
- Grocery bonus category capped at $25K/year spending
- Hotel credit requires 2-night minimum via Bilt Travel portal
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 Obsidian Card leads in 0. 2 more categories depend on booking channel or caps.
Rent
Capital One Venture Rewards Credit Card earns 2X vs 1.25X
Mortgage
Capital One Venture Rewards Credit Card earns 2X vs 1.25X
Dining
Depends: 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Bilt Obsidian Card earns 3X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Grocery Stores
Depends: up to $25,000/yr; 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
Bilt Obsidian Card earns 3X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
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.
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Obsidian Card | Capital One Venture Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $189 Year one: $389 | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | 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 |
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Obsidian Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Bilt Obsidian Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Capital One Venture Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bilt Obsidian 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 Obsidian Card have that the Capital One Venture Rewards Credit Card doesn't?
- The Bilt Obsidian Card offers cell phone protection. The Capital One Venture Rewards Credit Card offers travel credits.
- Should I get the Bilt Obsidian Card or the Capital One Venture Rewards Credit Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.