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 Venture X
Both are travel travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the Capital One Venture X from Capital One at $395/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 X is the stronger pick today — the sign-up bonus is meaningfully larger ($1,350 more in estimated value) than the Bilt Mastercard's. Get the Capital One Venture X first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | Capital One Venture X |
|---|---|---|
| Annual fee | $0 | $395 |
| Sign-up bonus | No public offer | 75,000 miles |
| Bonus value (est.) | $0 | $1,350 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 3 mo |
| Issuer | Bilt / Wells Fargo | Capital One |
| Card category | travel | travel |
| 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 Venture X
$395/yr · 75,000 miles
Editorial take: Capital One Venture X
The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list — all for $395. It's hard to beat.
Common questions
- Which card has the bigger sign-up bonus, Bilt Mastercard or Capital One Venture X?
- The Capital One Venture X has the bigger bonus — 75,000 miles, worth roughly $1,350, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the Capital One Venture X?
- The Bilt Mastercard 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 Mastercard.
- Can I have both the Bilt Mastercard and Capital One Venture X?
- 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 Venture X first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $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.
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.