Bilt Palladium Card vs Capital One Venture X Rewards Credit Card
Side-by-side comparison of rewards, fees, and benefits
Bilt Palladium Card
Bilt (Column N.A.)
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Capital One Venture X Rewards Credit Card
Capital One
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Bilt Palladium Card comes out ahead by $204/yr at a typical $24,000/yr spending profile.
See the assumptions and math
Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.
| Card | Rewards | Credits | Fee | Net/yr |
|---|---|---|---|---|
| Bilt Palladium Card | $864 | $320 | -$495 | $689 |
| Capital One Venture X Rewards Credit Card | $480 | $400 | -$395 | $485 |
Booking through the card issuer's travel site. Point values adjust automatically.
Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers. | Bilt Palladium CardBilt (Column N.A.) | Capital One Venture X Rewards Credit CardCapital One |
|---|---|---|
Annual Fee | $495 | $395 |
Sign-Up Bonus | 50,000 pts | 75,000 pts |
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners). | 1.3¢(Travel Portal) | 1.0¢(Travel Portal) |
Dining | 2x | 2x |
Grocery | 2x | 2x |
Flights | 2x | 5x |
Hotels | 2x | 10x |
Gas | 2x | 2x |
Online Shopping | 2x | 2x |
Everything Else | 2x | 2x |
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food. | 2x | 2x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 2x | 2x |
Internet Home internet and cable bills. | 2x | 2x |
Cell Phone Cell phone bills (may incur processing fees). | 2x | 2x |
Home Utilities Electricity, gas, water, sewer, trash. | 2x | 2x |
Travel/Airline Credit | - | $300 |
Est. Perks Value | - | $300varies by usage* |
Lounge Access | Yes | Yes |
* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).
Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.
CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.
Quick Verdict
Capital One Venture X Rewards Credit Card earns more on travel (5x flights vs 2x). Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $495). Your best choice depends on where you spend the most.
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