New: Compare up to 3 cards side-by-side instantly Compare now →
Bilt Blue Card vs Capital One Quicksilver Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Capital One Quicksilver Cash RewardsCapital One |
|---|---|---|
| Rating | 4.2/5 | 4.3/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 18.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Capital One Quicksilver Cash Rewards
With a 4.3/5 rating, the Capital One Quicksilver Cash Rewards edges out the Bilt Blue Card (4.2/5). No annual fee makes it easy to justify. The Capital One Quicksilver is a straightforward 1.5% cash back card with no annual fee and no foreign transaction fees. It won't top the charts on raw rewards, but it's simple, globally accepted, and earns 5% on travel booked through Capital One.