Bilt Blue vs Capital One Venture X

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Capital One Venture X?

The Capital One Venture X has the bigger bonus, 75,000 miles, worth roughly $1,238, versus $100 Bilt Cash (~$100) on the Bilt Blue.

Is the Bilt Blue's $0 annual fee worth it compared to the Capital One Venture X?

The Bilt Blue has no annual fee, so the question is whether the Capital One Venture X's $395 fee is justified by its perks. If you'll use enough of the Capital One Venture X's benefits to clear $395 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and Capital One Venture X?

Yes, since they're from different issuers (Bilt / Cardless and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Bilt Blue or the Capital One Venture X first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Capital One Venture X: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.