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Side-by-side

Bilt Palladium vs Capital One Venture Business

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/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 ($1,650 more in estimated value) than the Bilt Palladium's. Get the Capital One Venture Business first; revisit the Bilt Palladium after you've earned that bonus.

FeatureBilt PalladiumCapital One Venture Business
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold statusUp to 150,000 miles
Bonus value (est.)$1,125$2,775
Min spend to unlock bonus$4,000 in 3 mo$30,000 in 6 mo
IssuerBilt / CardlessCapital One
Card categorytravelbusiness
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltcapital-one
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles

Editorial take: Bilt Palladium

Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.

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 Palladium or Capital One Venture Business?
The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, versus 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status (~$1,125) on the Bilt Palladium.
Is the Bilt Palladium's $495 annual fee worth it compared to the Capital One Venture Business?
At $495/yr, the Bilt Palladium is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Venture Business's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Capital One Venture Business?
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 Palladium or the Capital One Venture Business first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 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.