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Compare the Features and Benefits of Capital One Venture Rewards Credit Card and
Bilt Mastercard®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Trip Protections
No Foreign Transaction Fees
Global Entry / TSA PreCheck Reimbursement
Airport Lounge Access
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Concierge Services
Travel and Emergency Assistance Services
Roadside Assistance
No Fees for Authorized Users
Free Access to Credit Score
Metal Card
Primary Car Rental CDW Waiver
Cell Phone Protection
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Hotels

When booked through Capital One Travel; else earn 2X

5x Car Rentals

When booked through Capital One Travel; else earn 2X

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
75,000 bonus Miles when you spend $4,000 within your first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the Venture card is a great $95 annual fee option that has only improved its value proposition and perks over the years. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 2X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel.

venture credit card car rental status

The redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One Venture miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a decent array of travel and purchase protections (although it’s not as robust as the flagship $395-per-year annual fee Capital One Venture X Rewards credit card). Finally, you’ll get reimbursed for Global Entry or TSA PreCheck every four years.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Global Entry / TSA PreCheck Reimbursement
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Concierge Services
yes
Travel and Emergency Assistance Services
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Metal Card
yes
Primary Car Rental CDW Waiver
no
Cell Phone Protection
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
*
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Dining Out / Food Delivery
2x Airfare
2x Car Rentals
2x Hotels
2x Cruises
1x Rent
Avg. Point Value
(Learn More)
$0.018
Bonus Offer
There's no traditional bonus offer, but you'll be eligible for Rent Day double points on the 1st of every month (excluding rent).
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

What is Bilt?

The Bilt Mastercard® is the only credit card that lets you pay your rent with no transaction fees and earn one point per dollar in the process.

This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases each statement period.

Bilt Transfer Partners

Bilt Transfer PartnersAll transfer at a 1:1 ratio. Transfer times below:
Alaska Airlines MileagePlanTBD
American Airlines AAdvantage®Within 1 day
Aer Lingus AviosWithin 10 minutes
Air Canada AeroplanWithin 10 minutes
Air France Flying BlueWithin 10 minutes
Avianca LifemilesWithin 10 minutes
British Airways AviosWithin 10 minutes
Cathay Pacific AsiaMilesWithin 10 minutes
Emirates SkywardsWithin 10 minutes
Hawaiian AirlinesWithin 10 minutes
Iberia AviosWithin 10 minutes
IHG RewardsWithin 10 minutes
Marriott BonvoyUp to 48 hours; generally within minutes. (5,000 point bonus when you transfer 20,000).
United Airlines MileagePlusWithin 10 minutes
Turkish Airlines Miles&SmilesWithin 10 minutes
Virgin PointsWithin 10 minutes
World of HyattWithin 10 minutes

Rent Day

On the 1st of every month, Bilt Rewards has “Rent Day” – where you’ll earn double points on dining, travel and other purchases excluding rent for purchases (up to 10,000 points each Rent Day) – for purchases made on that one day.

On Rent Day, they also have other bonuses and giveaways, which may include status trials on an airline or hotel partner or a points transfer bonus.

Summary

Overall, this card is pretty much a “must have” for renters, since there is no other way to earn points – with no transaction fees – when paying your rent.

There is also no annual fee to hold the card and no Foreign Currency Conversion Fee.

I have one myself and don’t see any reason for any renter not to have it.

Disclaimers

 

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Global Entry / TSA PreCheck Reimbursement
no
Airport Lounge Access
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Concierge Services
no
Travel and Emergency Assistance Services
no
Roadside Assistance
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Metal Card
no
Primary Car Rental CDW Waiver
yes
Cell Phone Protection
yes

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