Capital One Venture X vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 4-2. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen, fully customizable..
Side-by-side
| Criterion | Capital One Venture X | US Bank Cash+ |
|---|---|---|
| Annual fee | · $395 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 75,000 miles after $4,000 spend in first 3 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Capital One Venture X vs US Bank Cash+: which is better?
Capital One Venture X wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Capital One Venture X for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.