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Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card — Full Comparison (2026)

Home
/
Compare
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Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Bilt Obsidian Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Capital One

Annual Fee

$95

$0

Welcome Bonus

200 cash

20,000 Flex point

Base Earn Rate

1X

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Hotels

5X Car Rentals

5X Entertainment

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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)

+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

−$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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian 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 →

Home
/
Compare
/
Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Bilt Obsidian Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Capital One

Annual Fee

$95

$0

Welcome Bonus

200 cash

20,000 Flex point

Base Earn Rate

1X

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Hotels

5X Car Rentals

5X Entertainment

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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)

+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

−$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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian 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 →

Home
/
Compare
/
Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

Bilt Obsidian Card vs Capital One VentureOne Rewards Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Bilt Obsidian Card

Cardless

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Capital One

Annual Fee

$95

$0

Welcome Bonus

200 cash

20,000 Flex point

Base Earn Rate

1X

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Hotels

5X Car Rentals

5X Entertainment

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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)

+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

−$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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian 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 →