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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Capital One Venture Business

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Capital One Venture 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 Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,775 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Capital One Venture Business first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Capital One Venture Business
Annual fee$0$95
Sign-up bonusClosed to new applicantsUp to 150,000 miles
Bonus value (est.)$0$2,775
Min spend to unlock bonus$0 in 0 mo$30,000 in 6 mo
IssuerBilt / Wells FargoCapital One
Card categorytravelbusiness
Best earning category (Dining)3x1x
Transfer partnersbiltcapital-one
Headline benefits
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles

Editorial take: Bilt Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

Editorial take: Capital One Venture Business

Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Capital One Venture Business?
The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Capital One Venture Business?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Capital One Venture Business's $95 fee is justified by its perks. If you'll use enough of the Capital One Venture Business's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Mastercard (legacy, Wells Fargo).
Can I have both the Bilt Mastercard (legacy, Wells Fargo) and Capital One Venture 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 (legacy, Wells Fargo) or the Capital One Venture Business first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Capital One Venture Business: $30,000 in 6 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.