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Bilt Blue Card vs Capital One Venture Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Capital One Venture RewardsCapital One |
|---|---|---|
| Rating | 4.2/5 | 4.6/5 |
| Annual Fee | $0 | $95 |
| APR | 21.49% - 29.49% | 19.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | 75,000 miles after spending $4,000 in 3 months, plus $250 Capital One Travel credit in first year |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 5X on hotels and rental cars via Capital One Travel, 2X on every purchase |
| 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 | 2X miles on every purchase with no category tracking 75,000 mile bonus plus $250 travel credit for new cardholders No foreign transaction fees and transfer to 15+ partners |
| 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 | $95 annual fee with no travel credits to offset 2X base rate trails Venture X's earning structure No lounge access or premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture Rewards
With a 4.6/5 rating, the Capital One Venture Rewards edges out the Bilt Blue Card (4.2/5). At $95/yr, the value proposition is strong. The Capital One Venture is the sweet spot between simplicity and travel rewards. Flat 2X miles on everything with transfer partners and no foreign transaction fees — all for $95/year.