Capital One Venture X Business vs Bilt World Elite Mastercard

Side-by-side comparison of Capital One Venture X Business and Bilt World Elite Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One Venture X Business	Bilt World Elite Mastercard
Issuer	Capital One	Wells Fargo (Bilt)
Network	Mastercard	Mastercard
Card Material	Metal	Metal
Annual Fee	$395.00	$0.00
Base Rate	2.00%	1.00%
Travel Rewards	2.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Hotels via Capital One Travel	10.0%	1.0% (base)
Rental Cars via Capital One Travel	10.0%	1.0% (base)
Airline	5.0%	1.0% (base)
Restaurants	2.0% (base)	3.0%
Travel	2.0% (base)	2.0%
Rent (up to 100,000 points per year)	2.0% (base)	1.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	18 partners	14 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	19.99% - 29.99%	21.49% - 29.49%
Cash Advance APR	29.99%	29.49%
Penalty APR	N/A	N/A
Late Fee	$39	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary
Baggage Delay	—	—
Baggage Loss	Covered	—
Cell Phone Protection	—	Up to $800 per claim
Extended Warranty	Extends warranty by 1 year	—
Purchase Protection	Covered	Up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	Covered	Up to $5,000 per passenger
Trip Delay	Covered	Up to $200 per day (max $1,800)
Tsa Precheck Global Entry	Up to $100 statement credit every 4 years	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard