Capital One Venture X Rewards vs U.S. Bank Altitude Connect Visa Signature

The Capital One Venture X Rewards ($395/year) and the U.S. Bank Altitude Connect Visa Signature ($95/year) compete on different axes. The Capital One Venture X Rewards's strongest category is 10x on Hotels & Cars (Capital One), while the U.S. Bank Altitude Connect Visa Signature leads with 5x on Hotels & Car Rentals (via RTR). The Capital One Venture X Rewards costs $300 more per year, so you need at least $300 in incremental rewards to justify it over the U.S. Bank Altitude Connect Visa Signature. At typical spend levels this breaks even somewhere between $9,000 and $18,000 in bonus-category purchases annually. Our model scores these cards effectively even (3-2). Pick the Capital One Venture X Rewards if you spend heavily on hotels & cars (capital one); pick the U.S. Bank Altitude Connect Visa Signature if you spend heavily on hotels & car rentals (via rtr).

Too close to call — pick based on your primary spending category