Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt World Elite Mastercard (no annual fee) and the Capital One Quicksilver Cash Rewards Credit Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Bilt World Elite Mastercard earns at least as much as Capital One Quicksilver in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUnlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Bilt World Elite Mastercard | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4% | 1.5% |
| Rates with conditions not counted in the rows above |
None |
5% through Capital One Travel Earns 5% only on hotels and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 1.5%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.