Bilt Palladium Card vs Capital One Venture X Rewards Credit Card
Annual fees: Bilt Palladium Card $495/yr, Capital One Venture X Rewards Credit Card $395/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, Capital One Venture X Rewards Credit Card on hotels.
Card data as of November 13, 2026.
Bilt Palladium CardCardless · $495/yr
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Overview
- Annual fee
- Bilt Palladium Card$495Capital One Venture X Rewards Credit Card$395Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsCapital One Venture X Rewards Credit Card75,000 miles
- Rewards
- Bilt Palladium CardBilt PointsCapital One Venture X Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Bilt Palladium CardNoneCapital One Venture X Rewards Credit CardNone
- Network
- Bilt Palladium CardMastercardCapital One Venture X Rewards Credit CardVisa Infinite
Earn ratesPer $1 spent
- Flights
- Bilt Palladium Card2xCapital One Venture X Rewards Credit Card2x
- Hotels
- Bilt Palladium Card2xCapital One Venture X Rewards Credit Card2x
- Mortgage
- Bilt Palladium Card1.25xCapital One Venture X Rewards Credit Card2xHighest
- Rent
- Bilt Palladium Card1.25xCapital One Venture X Rewards Credit Card2xHighest
- Travel
- Bilt Palladium Card2xCapital One Venture X Rewards Credit Card2x
- Everything else
- Bilt Palladium Card2xCapital One Venture X Rewards Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
Capital One Venture X Rewards Credit Card- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
- Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
Capital One Venture X Rewards Credit Card—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
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 Palladium Card—Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
- Car rental
- Bilt Palladium Card—Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
- Other perks
- Bilt Palladium Card—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 Palladium Card
- 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 Palladium Card—Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
- Rental car
- Bilt Palladium Card
- MasterRental Coverage
Capital One Venture X Rewards Credit Card- Primary Auto Rental Collision Damage Waiver Up to $75,000
- Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
Capital One Venture X Rewards Credit Card- Up to $10K purchase protection
- Up to $300 return protection
- Extended warranty
- Bilt Palladium Card—Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
Capital One Venture X Rewards Credit Card- $800 cell phone protection when paying wireless bill
- Other protections
- Bilt Palladium 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 Palladium Card
- $600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- 2X points on all everyday purchases
- 50,000 points + $300 Bilt Cash welcome bonus (highest among Bilt cards)
- Transferable points to major airline and hotel partners
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 Palladium Card
- Requires high spending volume to qualify and maintain Palladium status
- No card-level bonus categories beyond the 2X flat rate (headline multipliers are membership-inclusive composites)
- Housing multiplier (up to 1.25X) depends on everyday-spend tiers or Bilt Cash redemption
- Benefits still lag behind premium travel cards from Chase/Amex
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 2 of 2 categories. The Bilt Palladium Card leads in 0. 4 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
Hotels
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Car Rentals
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Flights
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Vacation Rentals
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
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 Palladium Card | Capital One Venture X Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $480 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $285 Year one: $1,285 | 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 | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,920 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,725 Year one: $2,725 | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Bilt Palladium Card | Bilt Palladium Card |
Is the Fee Difference Worth It?
The Bilt Palladium Card costs $495/yr — that's $100 more than the Capital One Venture X Rewards Credit Card ($395/yr). To justify that gap, you need to extract at least $100 in annual value from the card's higher earn rates and benefits.
The Bilt Palladium Card includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $100 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $100 fee gap means the Bilt Palladium Card needs roughly $100 more in annual rewards (or credits you will use) to break even on travel and rent and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Palladium Card means losing:
- -Global Entry credit
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Bilt Palladium Card $495/yr, Capital One Venture X Rewards Credit Card $395/yr — a $100 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Bilt Palladium Card worth the higher annual fee?
- The Bilt Palladium Card costs $495/yr vs $395/yr for the Capital One Venture X Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $100 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Bilt Palladium Card also lists lounge access).
- Which card earns more rewards, the Bilt Palladium Card or Capital One Venture X Rewards Credit Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bilt Palladium Card have that the Capital One Venture X Rewards Credit Card doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection.
- Should I get the Bilt Palladium Card or the Capital One Venture X Rewards Credit Card?
- Use the spend scenarios on this page: the Capital One Venture X Rewards Credit Card has a lower $395/yr fee; the Bilt Palladium Card must earn enough extra (or offer a larger welcome bonus) to justify $495/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.