Bilt Palladium Card vs Capital One Venture X Rewards Credit Card
Bilt Palladium Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
Fees and perks at a glance
Annual fees: Bilt Palladium Card $495/yr · Capital One Venture X Rewards Credit Card $395/yr. The $100 gap has to be earned back in credits or perks.
Bilt Palladium Card Credits: Bilt Travel hotel credit $400
Capital One Venture X Rewards Credit Card Credits: $300 annual Capital One Travel credit
Bilt Palladium Card Signup bonus: 50,000 Bilt Points + Gold Status after $4,000 in non-housing spend in first 90 days, plus $300 Bilt Cash on approval
Capital One Venture X Rewards Credit Card Signup bonus: 75,000 miles after $4,000 spend in 3 months
Earn comparison by category
| Category | Bilt Palladium Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Dining | 3.60%2x × 1.8¢ | 2.80%2x × 1.4¢ |
| Groceries | 3.60%2x × 1.8¢ | 2.80%2x × 1.4¢ |
| Gas / EV charging | 3.60%2x × 1.8¢ | 2.80%2x × 1.4¢ |
| Travel | 3.60%2x × 1.8¢ | 2.80%2x × 1.4¢ |
| Everything else | 3.60%2x × 1.8¢ | 2.80%2x × 1.4¢ |
| Hotels via travel portals | 7.20%4x × 1.8¢ | 14.00%10x × 1.4¢ |
| Bilt partner dining | 9.00%5x × 1.8¢ | 2.80%2x × 1.4¢ |
| entertainment | 3.60%2x × 1.8¢ | 7.00%5x × 1.4¢ |
| Flights via travel portals | 5.40%3x × 1.8¢ | 7.00%5x × 1.4¢ |
Verdict by spending profile
| Category | Bilt Palladium Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Dining-heavy | 3.60% | 2.80% |
| Grocery-heavy | 3.60% | 2.80% |
| Gas-heavy | 3.60% | 2.80% |
| Travel-heavy | 3.60% | 2.80% |
| Everyday spending | 3.60% | 2.80% |
How is this comparison computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
This page compares the two cards' catalog earn rates only. Signup bonus amounts change over time, so they are not in the table.
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
This page compares two cards only. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best may differ.
Frequently asked questions
Bilt Palladium Card vs Capital One Venture X Rewards Credit Card: which one is better?
Bilt Palladium Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
How do the annual fees compare?
Annual fees: Bilt Palladium Card $495/yr · Capital One Venture X Rewards Credit Card $395/yr. The $100 gap has to be earned back in credits or perks. Catalog credits: Bilt Palladium Card has 1, Capital One Venture X Rewards Credit Card has 1.
Where is the biggest gap?
Hotels via travel portals is where Capital One Venture X Rewards Credit Card leads by the most: 7.20% vs 14.00% (4x × 1.8¢ vs 10x × 1.4¢).
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
- DanHana data & verification method
- What is DanHana?
- Smart recommendations
- Capital One Venture X Rewards Credit Card official page
Page updated: October 28, 2026