Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/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 $395 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).

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

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

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

The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, 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 Venture X 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 X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.

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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 Venture X Rewards Credit Card vs U.S. Bank Cash+® Visa Signature® Card

Annual fees: Capital One Venture X Rewards Credit Card $395/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, U.S. Bank Cash+® Visa Signature® Card on telecom.

Card data as of September 27, 2026.

Capital One Venture X Rewards Credit Card

Capital One

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 miles

$200 cash back

Earn Rates

Category	Capital One Venture X Rewards Credit Card	U.S. Bank Cash+® Visa Signature® Card
Cable Tv	2X	5X
Department Stores

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 6 of 6 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 X Rewards Credit Card earns 10X vs 1X

10X via Capital One Travel - No annual cap

Car Rentals

Capital One Venture X Rewards Credit Card earns 10X vs 1X

10X via Capital One Travel - No annual cap

Flights

Capital One Venture X Rewards Credit Card earns 5X vs 1X

5X via Capital One Travel - No annual cap

Vacation Rentals

Capital One Venture X Rewards Credit Card earns 5X vs 1X

5X via Capital One Travel - No annual cap

Entertainment

Capital One Venture X Rewards Credit Card earns 5X vs 1X

5X via issuer travel portal

Telecom

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)

The Bottom Line

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

Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr — a $395 difference before welcome offers and credits.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/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 $395 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or U.S. Bank Cash+® Visa Signature® Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, 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 Venture X 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 X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.

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

Benefits & Features

Network

VISA

Key Benefits

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Cell phone protection

✓Purchase protection

✓Rental car insurance

—

Pros & Cons

Pros

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

+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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

−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

Streaming

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X 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 Venture X Rewards Credit Card earns 2X (2X 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 Venture X Rewards Credit Card earns 2X (2X without restrictions)

Transit

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)

Fitness

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X 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 Venture X Rewards Credit Card earns 2X (2X without restrictions)

Electronics

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X 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 X Rewards Credit Card earns 2X (2X 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 Venture X Rewards Credit Card earns 2X (2X 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 Venture X Rewards Credit Card earns 2X (2X without restrictions)

Utilities

Depends: up to $2,000/quarter

U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)

Everyday purchases

Capital One Venture X 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 X Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Capital One Venture X Rewards Credit Card	U.S. Bank Cash+® Visa Signature® Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $444 Credits (our usable estimate): $312 − Annual fee ($395) Ongoing: $361 Year one: $1,749	Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $168 Year one: $368	Capital One Venture X Rewards Credit Card	Capital One Venture X Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $1,776 Credits (our usable estimate): $312 − Annual fee ($395) Ongoing: $1,693 Year one: $3,081	Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $672 Year one: $872	Capital One Venture X Rewards Credit Card	Capital One Venture X Rewards Credit Card

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.

The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $395 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $395 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $395 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:

-Airport lounge access
-Global Entry credit

Which Card Is Right for You?

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+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