I closed my Capital One Venture X for the Bilt Palladium. Here’s why this travel rewards card fits my points-and-miles strategy better.
In this video, I break down why I moved away from the Venture X, what the Bilt Palladium gives me for its $495 annual fee, and how I plan to use Bilt Cash in the real world. We’ll look at everyday 2X earning, Rent Day, the Point Accelerator, transfer bonuses, Rakuten, Bilt Travel, and transfer partners like World of Hyatt and Atmos Rewards. I’ll also show why Bilt’s combination of transferable points, airline partners and alliances, hotel points, and other travel rewards can be so valuable for award travel and potentially help turn credit card points into free flights and hotel stays. Most importantly, I’ll explain why the Palladium makes more sense for me — and what you should consider before making the same decision.
Chapters:
0:00 Intro
0:49 Venture X
2:30 Bilt Palladium Overview
3:41 How I’m Using Bilt Cash
7:17 Point Accelerator
8:00 Rent Day
11:29 Rakuten
12:17 World Legend Mastercard & Other Benefits
13:25 Wrap Up
Correction:
11:50 Silver members also receive a 1:1 Rakuten-to-BILT points ratio. Blue members receive 0.5 BILT points per Rakuten point.
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Disclaimer: I am not a financial advisor. This video is for educational and entertainment purposes only. Always do your own research and make decisions based on your personal financial situation. Credit card rewards only make sense when you pay your balances in full and avoid paying interest. Never spend more than you normally would just to earn points.
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#BiltPalladium #VentureX #PointsAndMiles #TravelRewards #AwardTravel
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As @travelfan11 pointed out, Silver members also receive a 1:1 Rakuten-to-BILT points ratio. Only Blue members receive 0.5 BILT points per Rakuten point.
Hey, just randomly wanted to say you look like "Jim Henson"! 👍
would you choose palladium over venture x?
the transfer partners make bilt more awesome
How’s the price protection claim process been if you’ve tested it on the palladium?
How many of the $200 hotel credits have you actually used through the bilt portal so far?
Closed the venture x for the same reason. Hyatt & alaska at 1:1 from bilt made the switch feel obvious
venture x was simpler but the partners on bilt fit the trips I actually take. keeping the palladium for year two already feels settled
Does BILT churn out content makers from a factory or something? Weird.
Great show! I agree!
5:32 I have $1500 and don’t know how to spend them. I wish I could roll over more
I only have to use it once a year to justify holding the VX so if I do anything it would be to add the Bilt or another annual fee card, if they pay for themselves they stay, if not downgrade or close. I am not sure Capital 1 would approve me again anyway
Got the Palladium card @ $50G/SL.VX won't Pre-qual me FK them.The special edition card is beautiful-already loaded on the Apple -Pay, very happy ! [1M+P]……… A WORLD TRAVELER !
If you "naturally" spend a lot that you hit that 3.33x multiplier with ease., then sure bilt is good. But if you don't spend much that it'll take months to unlock the extra multiplier then it's not worth it. As a travel multiplier, Vx is significantly better: 5x flight 10x hotels.
Also capital one has Capital One Offer. I have seen extra 4x on Qatar or 2x Singapore Airlines or 5x Marriott for booking them *directly* (not CapOne travel portal). 5x on Lyft, 4x Walmart etc
Would you recommend the Palladium for someone who has no rent/mortgage, and is a low spender (less than 450/mth for dining & groceries combined)?
Closing C1VX? It’s a bolt strategy cotton, let’s see if it works out for him. Bilt 1.0 was too good and didn’t last and 2.0 is too good but in a different way. Venture X might not let you back in when Bilt gets nerfed and VX is not too high maintenance to just keep around doing the minimum.
So what does everyone think? Do you prefer the ease of the Venture X, or do you want more value out of your card with the Palladium?