Which card earns more rewards, the Capital One VentureOne Rewards Credit Card or U.S. Bank Cash+® Visa Signature® Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Capital One VentureOne Rewards Credit Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?

The Capital One VentureOne Rewards Credit Card offers cell phone protection. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.

Should I get the Capital One VentureOne Rewards Credit Card or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

Capital One VentureOne Rewards Credit Card vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Capital One VentureOne Rewards Credit Card leads on hotels; the U.S. Bank Cash+® Visa Signature® Card on telecom.

Card data as of September 27, 2026.

Capital One VentureOne Rewards Credit Card

Capital One

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

20,000 miles

$200 cash back

Earn Rates

Category	Capital One VentureOne Rewards Credit Card	U.S. Bank Cash+® Visa Signature® Card
Cable Tv	1X	5X
Department Stores

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 3 of 3 categories. The Capital One VentureOne Rewards Credit Card leads in 0. 16 more categories depend on booking channel or caps.

Hotels

Depends: via issuer travel portal

Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)

Car Rentals

Depends: via issuer travel portal

Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)

Vacation Rentals

Depends: via issuer travel portal

Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)

Entertainment

Depends: via issuer travel portal

Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)

Telecom

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Streaming

The Bottom Line

Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Capital One VentureOne Rewards Credit Card or U.S. Bank Cash+® Visa Signature® Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Capital One VentureOne Rewards Credit Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?: The Capital One VentureOne Rewards Credit Card offers cell phone protection. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
Should I get the Capital One VentureOne Rewards Credit Card or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Capital One cards · U.S. Bank cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Travel insurance

✓Cell phone protection

—

Pros & Cons

Pros

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Cable Tv

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Movie Theaters

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Transit

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Fitness

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Department Stores

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Electronics

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Travel

Depends: via issuer travel portal

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Sporting Goods

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Fast Food

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Utilities

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1X (1X without restrictions)

Dining

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Gas Stations

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Grocery Stores

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Capital One VentureOne Rewards Credit Card	U.S. Bank Cash+® Visa Signature® Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $222 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $222 Year one: $592	Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $168 Year one: $368	Capital One VentureOne Rewards Credit Card	Capital One VentureOne Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $888 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $888 Year one: $1,258	Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $672 Year one: $872	Capital One VentureOne Rewards Credit Card	Capital One VentureOne Rewards Credit Card

Which Card Is Right for You?

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores