Bilt Mastercard vs Capital One Venture X
Last updated July 2026
Bilt Mastercard
The only credit card that earns points on rent
Advantages
- 1x points on rent up to 100K points/yr with no transaction fee (unique to Bilt)
- No annual fee
- 3x on dining, 2x on travel, 1x on everything else
- Transfer partners include Hyatt, American, United, Air France/KLM, Marriott, and 15+ others
- Rent day (1st of month) doubles multipliers on non-rent spending
Drawbacks
- Must use the card 5+ times per statement to earn any rewards, easy to miss
- Base 1x on non-bonus categories same as Sapphire Preferred
- Points from rent capped at 100,000/yr
Capital One Venture X
Premium travel card that returns its own annual fee
Advantages
- $300 annual Capital One Travel credit + 10,000-mile anniversary bonus effectively covers the fee
- Unlimited Priority Pass + Capital One Lounge access for cardholder and up to 2 guests
- 2x miles on everything, 5x on flights and 10x on hotels booked through Capital One Travel
- Transfer partners include Air Canada, Turkish, Air France/KLM, British Airways, and more
- Free authorized users with matching lounge access
Drawbacks
- $395 annual fee before credits
- Transfer partner list is not as strong as Chase Ultimate Rewards for domestic travel
- No dining or grocery multipliers
Bilt Mastercard and Capital One Venture X both play in rewards credit cards, but they're aimed at different buyers. Bilt Mastercard is built for renters spending $1,500+/mo on rent who want points without paying a fee. Capital One Venture X is built for travelers who book through Capital One Travel and want lounge access without a $695+ card. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Bilt Mastercard | Capital One Venture X |
|---|---|---|
| Annual Fee | $0 | $395 |
| Base Rewards Rate | 1x on most spending | 2x miles on all purchases |
| Bonus Categories | 1x rent (up to 100K/yr), 3x dining, 2x travel | 5x flights, 10x hotels/cars via Capital One Travel |
| Sign-Up Bonus | No traditional bonus; occasional targeted offers | Typically 75K-100K miles after minimum spend |
| Transfer Partners | 15+ including Hyatt, American, United, Air France | 15+ partners including Turkish, Air France/KLM, Air Canada |
| Unique Feature | Only card that earns points on rent with no fee | -- |
| Earn Requirement | Must use card 5+ times/month to earn rewards | -- |
| Insurance Protections | Cell phone protection; rental car secondary | Trip cancellation, primary rental car, cellphone protection |
| Annual Travel Credit | -- | $300 annual Capital One Travel credit |
| Lounge Access | -- | Priority Pass + Capital One Lounges (cardholder + 2 guests) |
Too Close to Call
Bilt Mastercard and Capital One Venture X land roughly even overall; the right pick depends on which of their strengths matters more to you.
Bilt Mastercard's standout strength: 1x points on rent up to 100K points/yr with no transaction fee (unique to Bilt). Capital One Venture X's standout strength: $300 annual Capital One Travel credit + 10,000-mile anniversary bonus effectively covers the fee. Neither dominates across the board, and both have well-known weak spots. Bilt Mastercard's biggest drawback: Must use the card 5+ times per statement to earn any rewards, easy to miss. Capital One Venture X's biggest drawback: $395 annual fee before credits. Pick the one whose strengths line up with what you actually need.
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