Bilt Blue vs Capital One Spark Cash Select
Side-by-side comparison
| Bilt Blue | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $100 in Bilt Cash on account opening | $750 cash back |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $498 | $675 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Bilt Blue earns about $498 a year in rewards and the Capital One Spark Cash Select about $675, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Capital One Spark Cash Select delivers more total value, about $127 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One Spark Cash Select currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Blue if your spending leans toward travel. Pick the Capital One Spark Cash Select if your spending leans toward advertising, shipping, office supplies.