Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs Capital One Spark Miles for Business
Both are well-respected travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the Capital One Spark Miles for Business from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Miles for Business is the stronger pick today — the sign-up bonus is meaningfully larger ($900 more in estimated value) than the Bilt Mastercard's. Get the Capital One Spark Miles for Business first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No public offer | 50,000 miles |
| Bonus value (est.) | $0 | $900 |
| Min spend to unlock bonus | $0 in 0 mo | $4,500 in 3 mo |
| Issuer | Bilt / Wells Fargo | Capital One |
| Card category | travel | business |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | bilt | capital-one |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Editorial take: Capital One Spark Miles for Business
The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.
Common questions
- Which card has the bigger sign-up bonus, Bilt Mastercard or Capital One Spark Miles for Business?
- The Capital One Spark Miles for Business has the bigger bonus — 50,000 miles, worth roughly $900, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the Capital One Spark Miles for Business?
- The Bilt Mastercard has no annual fee, so the question is whether the Capital One Spark Miles for Business's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Miles for Business's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and Capital One Spark Miles for Business?
- Yes, since they're from different issuers (Bilt / Wells Fargo 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 Mastercard or the Capital One Spark Miles for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 months. Capital One Spark Miles for Business: $4,500 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.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.