{"id":276872,"date":"2026-10-07T23:49:37","date_gmt":"2026-10-07T23:49:37","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=276872\/"},"modified":"2026-10-07T21:23:26","modified_gmt":"2026-10-07T21:23:26","slug":"capital-one-venture-x-card-vs-bilt-palladium-card-which-premium-2x-earner-is-best","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/capital-one-venture-x-vs-bilt-palladium\/","title":{"rendered":"Capital One Venture X Card vs. Bilt Palladium Card: Which Premium 2X Earner Is Best?"},"content":{"rendered":"

The Capital One Venture X Rewards Credit Card<\/a> and the Bilt Palladium Card<\/a> <\/span><\/span>are similar premium travel cards at first glance. Both offer solid flat-rate earnings on everyday spending and premium perks for a similar annual fee: the <\/span>Capital One Venture X has a $395 annual fee, compared with Palladium Card‘s $495 (Rates & Fees<\/a>).<\/p>\n

While these cards may look similar, they're built on different assumptions about how you spend and travel. Let's take a deeper look at how they compare.<\/p>\n

Which Card Earns More on Your Spending?<\/span><\/h2>\n

Both cards earn 2X miles or points on everyday purchases, but their overall earning structures differ. The Palladium Card<\/a>‘s Bilt Cash<\/a> offers plenty of extra juice if you're willing to squeeze it. On average, AwardWallet users redeem<\/a> Bilt Points for about 2.1 cents each and Capital One miles for about 2.08 cents each.<\/p>\n

Everyday spending is a tie on paper, not in practice<\/span><\/h3>\n

The Capital One Venture X<\/a> earns a flat 2X miles on all everyday purchases, with no notable exclusions, making it one of the simplest options you can find. The Palladium Card<\/a> earns 2X Bilt Points on eligible everyday purchases, though there are a few earning restrictions.<\/a> For example, gift cards from many sites and tax payments aren't eligible to earn points.<\/p>\n

However, the Palladium Card lets you redeem $200 in Bilt Cash to earn an extra 1X bonus point per dollar on your next $5,000 in everyday spending. You can choose this up to five times a year, giving you a 3X return on up to $25,000 in spending as long as you redeem your Bilt Cash for this option. As long as you're not spending your Bilt Cash heavily on other redemptions, you may be able to earn enough to fund another $200 accelerator.<\/p>\n

Welcome offers<\/span><\/h3>\n

Welcome offers also work differently. The Capital One Venture X<\/a> offers a simpler, lump-sum bonus: Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening.<\/p>\n

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Capital One Venture X Rewards Credit Card<\/div>\n
\"Capital<\/div>\n
How to Apply<\/a><\/div>\n
<\/div>\n
Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n <\/div>\n
\n Capital One Venture X Rewards Credit Card<\/strong>\n
Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n
Annual Fee:<\/strong>$395<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Earning Rates<\/a>
The Capital One Venture X Rewards Credit Card is a premium travel-focused card, stacked with benefits. Cardholders get complimentary access to Capital One Lounge and Landing locations and participating Priority Pass\u2122 lounges (after enrollment), receive up to a $300 annual travel credit for bookings via Capital One Travel and up to a $120 credit for Global Entry or TSA PreCheck\u00ae<\/sup>. There's also an anniversary bonus of 10,000 miles, equivalent to $100 towards travel. High earning rates include 10X miles on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Travel, plus 2X on all other purchases.<\/div>