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. The higher fee includes lounge access that can offset the cost for frequent travelers.

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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.

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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.

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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Bilt Obsidian Card vs Capital One Venture X Rewards Credit Card

The Bilt Obsidian Card ($95/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Obsidian Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95

$395

Welcome Bonus

200 cash

75,000 Flex point

Earn Rates

Category	Bilt Obsidian Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Grocery Stores

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 4 of 7 categories. The Bilt Obsidian Card leads in 3.

Dining

Bilt Obsidian Card earns 3X vs 2X

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Lyft

Bilt Obsidian Card earns 3X vs 2X

Rent

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

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 offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Bilt Obsidian Card has a lower annual fee ($95 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

Choose the Bilt Obsidian Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?: Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Capital One Venture X 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 Obsidian Card vs Capital One Venture X Rewards Credit Card

Bilt Obsidian Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95

$395

Welcome Bonus

200 cash

75,000 Flex point

Earn Rates

Category	Bilt Obsidian Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Grocery Stores

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 4 of 7 categories. The Bilt Obsidian Card leads in 3.

Dining

Bilt Obsidian Card earns 3X vs 2X

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Lyft

Bilt Obsidian Card earns 3X vs 2X

Rent

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Bilt Obsidian Card has a lower annual fee ($95 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?: Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Capital One Venture X 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 Obsidian Card vs Capital One Venture X Rewards Credit Card

Bilt Obsidian Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95

$395

Welcome Bonus

200 cash

75,000 Flex point

Earn Rates

Category	Bilt Obsidian Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Grocery Stores

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 4 of 7 categories. The Bilt Obsidian Card leads in 3.

Dining

Bilt Obsidian Card earns 3X vs 2X

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Lyft

Bilt Obsidian Card earns 3X vs 2X

Rent

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Bilt Obsidian Card has a lower annual fee ($95 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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 focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Obsidian Card or the Capital One Venture X Rewards Credit Card?: Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Capital One cards

Pros & Cons

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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Pros & Cons

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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Pros & Cons

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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Bilt Obsidian Card vs Capital One Venture X Rewards Credit Card

Bilt Obsidian Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Obsidian Card vs Capital One Venture X Rewards Credit Card

Bilt Obsidian Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Obsidian Card vs Capital One Venture X Rewards Credit Card

Bilt Obsidian Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?