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Capital One QuicksilverOne vs Bilt Mastercard: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One QuicksilverOne Cash Rewards card is a great option for those with average credit looking to build their credit profile through everyday spending and international travel.
- The Bilt Mastercard® (See Rates & Fees) is designed for renters who want to benefit from their largest monthly expense, and is also great for dining and travel spending.
Capital One QuicksilverOne Cash Rewards Breakdown
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Why We Like It
Here’s a closer look at why the Capital One QuicksilverOne Cash Rewards card stands out.
- It provides a pathway for those with average credit to earn rewards while building their credit profile.
- The Capital One QuicksilverOne Cash Rewards card features a simple rewards structure that applies to all purchases without rotating categories.
- Cardholders can take advantage of travel and entertainment benefits without paying foreign transaction fees.
Pros
- Offers a simple, flat-rate cash back rewards structure on all purchases.
- Capital One automatically reviews your account for credit line increases, rewarding responsible use.
- Rewards are earned for the life of the account and can be redeemed flexibly without a minimum requirement.
Cons
- The card charges an annual fee and does not come with a welcome bonus or introductory APR offer.
- It carries a high variable APR, which can be costly for those who carry a balance.
- Benefits are limited compared to premium rewards cards, and some cardholders may find it difficult to receive a credit line increase.
Bilt Mastercard® Breakdown
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Why We Like It
Here’s a closer look at why we’re fans of the Bilt Mastercard® (See Rates & Fees).
- It's one of the only cards that lets you earn rewards on rent payments without charging extra fees.
- There's no annual fee, making it a cost-effective option for renters.
- The card offers the flexibility to pay rent and earn rewards even if your landlord doesn't accept credit cards.
Pros
- Earns valuable rewards on rent, travel, and dining purchases.
- Points can be redeemed for a wide variety of options, including travel, fitness, and even a credit toward a down payment on a home.
- "Rent Day" offers a monthly opportunity to accelerate point earnings on everyday purchases.
Cons
- Some cardholders have reported issues with the mobile app and customer service responsiveness.
- Points offer limited value when redeemed for cash back and are best utilized by transferring to travel partners.
- A minimum number of transactions is required each statement period to earn rewards.
Bilt Mastercard® vs Capital One QuicksilverOne Cash Rewards
Categories
Choosing the right credit card depends heavily on your spending habits and financial goals. To help you figure out which is better, Capital One QuicksilverOne or Bilt Mastercard®, let's break down the best use case for each.
- Capital One QuicksilverOne Cash Rewards Credit Card - This card is designed for individuals with average credit who are looking to build their credit profile. It's also a good fit for everyday spenders who prefer a straightforward rewards structure without complex categories.
- Bilt Mastercard® (See Rates & Fees) - This card is best for renters who want to earn rewards on their largest monthly expense. It also offers benefits for those who frequently dine out or travel.
Redemption
Capital One QuicksilverOne Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed for a statement credit or a check. The process is designed to be simple and flexible for the cardholder.
Bilt Mastercard®: You earn flexible points that are especially valuable for travel, with options to transfer them to various airline and hotel partners. Points can also be redeemed for fitness classes, rent credits, or even a down payment on a home.
Compare Top Rated Credit Cards with Kudos
Kudos is a financial companion that analyzes your spending to provide data-driven recommendations, ensuring you choose the best card for your wallet.
- Test drive credit cards using your real spending data to see potential earnings before you apply.
- Receive personalized card recommendations based on your actual spending habits.
- Get a detailed analysis of your approval odds based on your credit report.
- Unlock a welcome offer guarantee, which ensures you get the best available sign-up bonus.
- Earn extra rewards, including a $100 Kudos Kickstart+ and other exclusive offers.
Who Should Choose the Capital One QuicksilverOne Cash Rewards?
The Capital One QuicksilverOne Cash Rewards card is an excellent choice for individuals with average credit who are looking to build their credit history while earning rewards. Its straightforward, unlimited 1.5% cash back on all purchases makes it ideal for everyday spenders who prefer a simple rewards structure without tracking rotating categories. Additionally, the card appeals to international travelers thanks to its lack of foreign transaction fees and to entertainment lovers seeking exclusive access to special events through the Capital One Entertainment platform.
Who Should Choose the Bilt Mastercard®?
The Bilt Mastercard® (See Rates & Fees) is primarily designed for renters who want to earn rewards on their largest monthly expense, but it's also a strong choice for those who frequently dine out or travel. You can earn Bilt Points on rent payments without transaction fees, up to 100,000 points per calendar year, which is a standout feature. To earn points, however, you must use the card at least 5 times each statement period.
Alternatives to Consider
So, the Capital One QuicksilverOne vs. Bilt Mastercard® comparison didn't point to a clear winner for you? Fortunately, there are plenty of other cards that might be a better fit for your financial situation.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Tips for Application Success
Before You Apply
- Know your credit score since different cards have different approval requirements.
- Review card obligations as some cards require a minimum number of monthly transactions to earn rewards.
- Plan your redemption strategy so you know how you will use the points or cash back you earn.
Application Strategy
- Time your application around a large purchase to help meet any minimum spending requirements.
- Consider if a card’s requirements, like the Bilt Mastercard® (See Rates & Fees) five-transaction minimum, fit your spending habits.
- Choose a card that matches your credit profile, such as the Capital One QuicksilverOne Cash Rewards Credit Card for those with average credit.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
What credit score is needed for the Capital One QuicksilverOne card?
The Capital One QuicksilverOne card is designed for applicants with fair credit, which typically means a FICO score in the 580-669 range. However, Capital One will consider your entire credit profile, not just the score, when you apply.
Does the Bilt Mastercard® have an annual fee?
No, the Bilt Mastercard® (See Rates & Fees) does not have an annual fee. You can access all of its cardholder benefits without paying a yearly charge.
How do I earn points with the Bilt Mastercard®?
To earn Bilt Points, you must use the card for at least 5 transactions each statement period. You will earn points on non-rent purchases and on rent payments, with rewards on rent capped at up to 100,000 points per calendar year.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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