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Side-by-side

Bilt Palladium vs Capital One Venture X

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt PalladiumCapital One Venture X
Annual fee$495$395
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status75,000 miles
Bonus value (est.)$1,125$1,238
Min spend to unlock bonus$4,000 in 3 mo$4,000 in 3 mo
IssuerBilt / CardlessCapital One
Card categorytraveltravel
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
  • $300 annual travel credit
  • 10,000 anniversary miles
  • Capital One Lounges
  • 2x on all other purchases
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 X
$395/yr · 75,000 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 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 Palladium or Capital One Venture X?
The Capital One Venture X has the bigger bonus, 75,000 miles, worth roughly $1,238, 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 X?
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 X's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium 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 Palladium or the Capital One Venture X 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 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.