CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The Capital One VentureOne Rewards Credit Card ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Dining | 3X | 1X |
The Bilt Obsidian Card wins in 5 of 5 categories. The Capital One VentureOne Rewards Credit Card leads in 0.
Dining
Bilt Obsidian Card earns 3X vs 1X
Grocery Stores
Bilt Obsidian Card earns 3X vs 1X
Lyft
Bilt Obsidian Card earns 3X vs 1X
Travel
Bilt Obsidian Card earns 2X vs 1X
Walgreens
Bilt Obsidian Card earns 2X vs 1X
The Bilt Obsidian Card costs $95/yr — that's $95 more than the Capital One VentureOne Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.
Get the Bilt Obsidian Card if you:
The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Capital One VentureOne Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Capital One VentureOne Rewards Credit Card ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Dining | 3X | 1X |
The Bilt Obsidian Card wins in 5 of 5 categories. The Capital One VentureOne Rewards Credit Card leads in 0.
Dining
Bilt Obsidian Card earns 3X vs 1X
Grocery Stores
Bilt Obsidian Card earns 3X vs 1X
Lyft
Bilt Obsidian Card earns 3X vs 1X
Travel
Bilt Obsidian Card earns 2X vs 1X
Walgreens
Bilt Obsidian Card earns 2X vs 1X
The Bilt Obsidian Card costs $95/yr — that's $95 more than the Capital One VentureOne Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.
Get the Bilt Obsidian Card if you:
The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Capital One VentureOne Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Capital One VentureOne Rewards Credit Card ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Dining | 3X | 1X |
The Bilt Obsidian Card wins in 5 of 5 categories. The Capital One VentureOne Rewards Credit Card leads in 0.
Dining
Bilt Obsidian Card earns 3X vs 1X
Grocery Stores
Bilt Obsidian Card earns 3X vs 1X
Lyft
Bilt Obsidian Card earns 3X vs 1X
Travel
Bilt Obsidian Card earns 2X vs 1X
Walgreens
Bilt Obsidian Card earns 2X vs 1X
The Bilt Obsidian Card costs $95/yr — that's $95 more than the Capital One VentureOne Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.
Get the Bilt Obsidian Card if you:
The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Capital One VentureOne Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| Grocery Stores |
| 3X |
| 1X |
| Lyft | 3X | 1X |
| Travel | 2X | 1X |
| Walgreens | 2X | 1X |
| Rent | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One VentureOne Rewards Credit Card if you:
| Grocery Stores |
| 3X |
| 1X |
| Lyft | 3X | 1X |
| Travel | 2X | 1X |
| Walgreens | 2X | 1X |
| Rent | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One VentureOne Rewards Credit Card if you:
| Grocery Stores |
| 3X |
| 1X |
| Lyft | 3X | 1X |
| Travel | 2X | 1X |
| Walgreens | 2X | 1X |
| Rent | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One VentureOne Rewards Credit Card if you:
