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

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. The Capital One Venture X Rewards Credit Card offers lounge access.

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

Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

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

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. The Capital One Venture X Rewards Credit Card offers lounge access.

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

Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

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

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. The Capital One Venture X Rewards Credit Card offers lounge access.

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

Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Bilt Palladium Card vs Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card ($395/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

Bilt Palladium Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$495

$395

Welcome Bonus

50,000 Flex point

75,000 Flex point

Earn Rates

Category	Bilt Palladium Card	Capital One Venture X Rewards Credit Card
Lyft	4X	2X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 2X

Dining

Bilt Palladium Card earns 3X vs 2X

Walgreens

Bilt Palladium Card earns 3X vs 2X

Rent

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

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 offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $100 difference is moderate. If you spend consistently on lyft and dining, the Bilt Palladium Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bilt Palladium Card means losing:

-Purchase protection
-Travel insurance
Global Entry credit

The Bottom Line

The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

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

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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. The Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Palladium Card or the Capital One Venture X Rewards Credit Card?: Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/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 Palladium 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 Palladium Card vs Capital One Venture X Rewards Credit Card

No image

Bilt Palladium Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$495

$395

Welcome Bonus

50,000 Flex point

75,000 Flex point

Earn Rates

Category	Bilt Palladium Card	Capital One Venture X Rewards Credit Card
Lyft	4X	2X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 2X

Dining

Bilt Palladium Card earns 3X vs 2X

Walgreens

Bilt Palladium Card earns 3X vs 2X

Rent

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

Is the Fee Difference Worth It?

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $100 difference is moderate. If you spend consistently on lyft and dining, the Bilt Palladium Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bilt Palladium Card means losing:

-Purchase protection
-Travel insurance
Global Entry credit

The Bottom Line

The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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. The Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Palladium Card or the Capital One Venture X Rewards Credit Card?: Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/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 Palladium 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 Palladium Card vs Capital One Venture X Rewards Credit Card

No image

Bilt Palladium Card

Cardless

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$495

$395

Welcome Bonus

50,000 Flex point

75,000 Flex point

Earn Rates

Category	Bilt Palladium Card	Capital One Venture X Rewards Credit Card
Lyft	4X	2X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 2X

Dining

Bilt Palladium Card earns 3X vs 2X

Walgreens

Bilt Palladium Card earns 3X vs 2X

Rent

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

Is the Fee Difference Worth It?

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $100 difference is moderate. If you spend consistently on lyft and dining, the Bilt Palladium Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bilt Palladium Card means losing:

-Purchase protection
-Travel insurance
Global Entry credit

The Bottom Line

The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

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. The higher fee includes lounge access that can offset the cost for frequent travelers.
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. The Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Bilt Palladium Card or the Capital One Venture X Rewards Credit Card?: Choose the Capital One Venture X Rewards Credit Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/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 Palladium 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

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

+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

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

−$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

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

+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

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

−$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

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

+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

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

−$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 Palladium Card vs Capital One Venture X Rewards Credit Card

Bilt Palladium Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Palladium Card vs Capital One Venture X Rewards Credit Card

Bilt Palladium Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Palladium Card vs Capital One Venture X Rewards Credit Card

Bilt Palladium Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?