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 Obsidian Card ($95/yr) and the Capital One Venture X Rewards Credit Card ($395/yr) comes down to where you spend most. Capital One Venture X needs about $2,500 a month in groceries, gas or other purchases, counting that spending alone, to make up its $300 higher annual fee over Bilt Obsidian Card. Below that, Bilt Obsidian Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now10x on hotels/rental cars, 5x on flights through Capital One Travel, 2x on everything else. Earns a solid 2.0% on everything else.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Bilt Obsidian Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Annual Fee | $95 | $395 |
| Sign-Up Bonus | None | 75,000 miles after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 2% | 2% |
| Dining Rewards | 3% | 2% |
| Rates with conditions not counted in the rows above |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
10% through Capital One Travel Earns 10% only on hotels and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 2%. 5% on flights through Capital One Travel Earns 5% only on flights booked through Capital One Travel. Flights booked direct with an airline earn the flat 2%. |
| Key Benefits | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. | 10x on hotels/rental cars, 5x on flights through Capital One Travel, 2x on everything else. |
Bilt Obsidian Card pulls ahead for dining spending.
Capital One Venture X Rewards Credit Card wins on groceries, gas.
The $300/year fee difference means Capital One Venture X Rewards Credit Card needs to earn about that much more in rewards to justify its cost.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Capital One Venture X Rewards Credit Card carries $300/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
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.