Bilt Obsidian Card vs Capital One Venture X Rewards Credit Card
Annual fees: Bilt Obsidian Card $95/yr, Capital One Venture X Rewards Credit Card $395/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, Capital One Venture X Rewards Credit Card on hotels.
Card data as of November 13, 2026.
Bilt Obsidian CardCardless · $95/yr
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Overview
- Annual fee
- Bilt Obsidian Card$95LowestCapital One Venture X Rewards Credit Card$395
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsCapital One Venture X Rewards Credit Card75,000 miles
- Rewards
- Bilt Obsidian CardBilt PointsCapital One Venture X Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Bilt Obsidian CardNoneCapital One Venture X Rewards Credit CardNone
- Network
- Bilt Obsidian CardMastercard World EliteCapital One Venture X Rewards Credit CardVisa Infinite
Earn ratesPer $1 spent
- Dining
- Bilt Obsidian Card3xHighestCapital One Venture X Rewards Credit Card2x
- Grocery Stores
- Bilt Obsidian Card3xHighestCapital One Venture X Rewards Credit Card2x
- Flights
- Bilt Obsidian Card1xCapital One Venture X Rewards Credit Card2xHighest
- Hotels
- Bilt Obsidian Card1xCapital One Venture X Rewards Credit Card2xHighest
- Mortgage
- Bilt Obsidian Card1.25xCapital One Venture X Rewards Credit Card2xHighest
- Rent
- Bilt Obsidian Card1.25xCapital One Venture X Rewards Credit Card2xHighest
- Travel
- Bilt Obsidian Card2xCapital One Venture X Rewards Credit Card2x
- Everything else
- Bilt Obsidian Card1xCapital One Venture X Rewards Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
Capital One Venture X Rewards Credit Card- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Perks & access— means none on record
- Lounges
- Bilt Obsidian Card—Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
- Hotel status & programs
- Bilt Obsidian Card—Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
- Car rental
- Bilt Obsidian Card—Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
Capital One Venture X Rewards Credit Card- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
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 X Rewards Credit Card- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
- Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Capital One Venture X Rewards Credit Card- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
- Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Capital One Venture X Rewards Credit Card- Primary Auto Rental Collision Damage Waiver Up to $75,000
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
Capital One Venture X Rewards Credit Card- Up to $10K purchase protection
- Up to $300 return protection
- Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
Capital One Venture X Rewards Credit Card- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Capital One Venture X Rewards Credit Card- $800 cell phone protection when paying wireless bill
- Other protections
- Bilt Obsidian Card—Capital One Venture X Rewards Credit Card
- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
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 X Rewards Credit Card- Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- 10X miles on hotels and rental cars booked through Capital One Travel
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
- 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 X Rewards Credit Card- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Category-by-Category Winner
The Capital One Venture X Rewards Credit Card wins in 7 of 7 categories. The Bilt Obsidian Card leads in 0. 2 more categories depend on booking channel or caps.
Rent
Capital One Venture X Rewards Credit Card earns 2X vs 1.25X
Mortgage
Capital One Venture X 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 X 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 X Rewards Credit Card earns 2X (2X without restrictions)
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Vacation Rentals
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Everyday purchases
Capital One Venture X 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 Obsidian Card | Capital One Venture X 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): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Close — depends on how much of the credits you use | Capital One Venture X 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): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Capital One Venture X Rewards Credit Card | Capital One Venture X Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $300 more than the Bilt Obsidian Card ($95/yr). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $300 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $300 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $300 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 Obsidian Card means losing:
- -Airport lounge access
- -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 X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
- +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 X Rewards Credit Card vs 1X on the other card.
Published annual fees: Bilt Obsidian Card $95/yr, Capital One Venture X Rewards Credit Card $395/yr — a $300 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $95/yr for the Bilt Obsidian Card. Compare the year-one vs ongoing value table on this page — the $300 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the Bilt Obsidian Card or Capital One Venture X Rewards Credit Card?
- The Capital One Venture X 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 X Rewards Credit Card doesn't?
- The Bilt Obsidian Card offers cell phone protection. The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection.
- Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?
- Use the spend scenarios on this page: the Bilt Obsidian Card has a lower $95/yr fee; the Capital One Venture X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
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.