Bilt Palladium vs Capital One Venture X
Side-by-side comparison
| Bilt Palladium | Capital One Venture X | |
|---|---|---|
| Annual fee | $495 | $395 |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | 75,000 Miles |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 2x |
| Travel | 2x | 5x |
| Streaming | 2x | 2x |
| Everything else | 2x | 2x |
| Est. yearly rewards* | $583 | $637 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*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 household spending, the Bilt Palladium earns about $583 a year in rewards and the Capital One Venture X about $637, valuing every point at a flat 1 cent. The Bilt Palladium charges $495, but carries about $600 in annual statement credits that offset it for anyone who uses them. The Capital One Venture X charges $395, but carries about $500 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Capital One Venture X delivers more total value, about $104 a year more for a typical spender, mostly because it earns more where you spend most, on travel. 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 two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Venture X if your spending leans toward travel.