Capital One Venture Rewards Credit Card vs U.S. Bank Cash+® Visa Signature® Card
Annual fees: Capital One Venture Rewards Credit Card $95/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr. Strongest bonus categories: Capital One Venture Rewards Credit Card on hotels, U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of October 11, 2026.
Capital One Venture Rewards Credit CardCapital One · $95/yr
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Capital One Venture Rewards Credit Card$95U.S. Bank Cash+® Visa Signature® Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture Rewards Credit Card75,000 milesU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Capital One Venture Rewards Credit CardCapital One MilesU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Capital One Venture Rewards Credit CardNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- Capital One Venture Rewards Credit CardMastercard World EliteU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Dining
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Everything else
- Capital One Venture Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Perks & access— means none on record
- Lounges
- Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Hotel status & programs
- Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Car rental
- Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other perks
- Capital One Venture Rewards Credit Card
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rental car
- Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- Capital One Venture Rewards Credit Card
- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Extended warranty
- Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other protections
- Capital One Venture Rewards Credit Card
- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Capital One Venture Rewards Credit Card
- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
U.S. Bank Cash+® Visa Signature® Card- 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
- Capital One Venture Rewards Credit Card
- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
U.S. Bank Cash+® Visa Signature® Card- 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
Category-by-Category Winner
The Capital One Venture Rewards Credit Card wins in 4 of 4 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 12 more categories depend on booking channel or caps.
Hotels
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
Everyday purchases
Capital One Venture Rewards Credit Card earns 2X on all other spending 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 Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Venture Rewards Credit Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture Rewards Credit Card costs $95/yr — that's $95 more than the U.S. Bank Cash+® Visa Signature® 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.
The Capital One Venture Rewards Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Capital One Venture Rewards Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing U.S. Bank Cash+® Visa Signature® Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
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
The Bottom Line
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture Rewards Credit Card $95/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture Rewards Credit Card worth the higher annual fee?
- The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture Rewards Credit Card also lists travel credits).
- Which card earns more rewards, the Capital One Venture Rewards Credit Card or U.S. Bank Cash+® Visa Signature® Card?
- The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Venture Rewards Credit Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?
- The Capital One Venture Rewards Credit Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
- Should I get the Capital One Venture Rewards Credit Card or the U.S. Bank Cash+® Visa Signature® Card?
- Use the spend scenarios on this page: the U.S. Bank Cash+® Visa Signature® Card has a lower $0/yr fee; the Capital One Venture Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 11, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.