TravelDiari matches your credit cards to every hotel booking — saving you points you'd otherwise miss.

Card vs Card Comparison

Bilt Mastercard
vs
Capital One Venture.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Wells Fargo

Bilt Mastercard

Annual fee

Free

Points

Bilt Rewards

Signup bonus

No signup bonus (by design)

Top earning rates

  • →1x on rent with no fees
  • →2x on travel
  • →3x on dining

Top perks

  • →Pay rent without fees (the headline benefit)
  • →Bilt transfer partners including American, United, and Hyatt
  • →Members-only Bilt events
See Bilt Mastercard detailsarrow_forward

Capital One

Capital One Venture

Annual fee

$95

Points

Venture Miles

Signup bonus

75K miles after $4K in 3 months

Top earning rates

  • →5x on Capital One Travel hotels and car rentals
  • →2x on everything (the best flat earner)

Top perks

  • →Global Entry or TSA PreCheck credit
  • →Travel accident insurance
  • →Transfers to 15+ Capital One partners
See Capital One Venture detailsarrow_forward

The verdict

When each card wins.

Bilt Mastercard wins if

Pick this if you rent. Earning transferable points on rent is unique to this card.

Honest downside: Useless if you do not rent. Mediocre everyday earner otherwise.

Capital One Venture wins if

Pick this if you want a simple flat-rate travel card with no bonus categories to track.

Honest downside: No lounge access. No premium perks. Transfer partner list is weaker than Chase Ultimate Rewards.

At a glance

Side-by-side spec sheet.

SpecBilt MastercardCapital One Venture
Annual feeFree$95
Points currencyBilt RewardsVenture Miles
Signup bonusNo signup bonus (by design)75K miles
Top earn category1x on rent with no fees5x on Capital One Travel hotels and car rentals
Second earn category2x on travel2x on everything (the best flat earner)
Third earn category3x on diningStandard 1x earn
Signature perkPay rent without fees (the headline benefit)Global Entry or TSA PreCheck credit
IssuerWells FargoCapital One

Questions

Frequently asked.

Which is better, Bilt Mastercard or Capital One Venture?

expand_more

Bilt Mastercard wins if you rent. Earning transferable points on rent is unique to this card. Capital One Venture wins if you want a simple flat-rate travel card with no bonus categories to track.

Can I have both the Bilt Mastercard and the Capital One Venture?

expand_more

Yes. These are issued by different banks (Wells Fargo and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Bilt Mastercard or Capital One Venture?

expand_more

Capital One Venture has the higher annual fee at $95, compared to $0 for Bilt Mastercard. Whether the pricier card is worth the difference depends on which credits and perks you use each year.