US Bank Altitude Reserve vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 4-0. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. US Bank Altitude Reserve is still the right call if mobile-pay maximizers, 3x on apple/google/samsung pay transactions..
Side-by-side
| Criterion | US Bank Altitude Reserve | Capital One Venture X |
|---|---|---|
| Annual fee | · $400 | $395 |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 10% (travel) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 50,000 points after $4,500 in first 3 months (worth $750 toward travel) | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 720 | = 720 |
| Editorial rating | · 4.6/5 | 4.7/5 |
Benefits compared
US Bank Altitude Reserve
- 5x on prepaid hotels and car rentals via US Bank Travel
- 3x on travel + mobile-wallet purchases
- 1.5x redemption rate when used for travel
- $325 annual travel credit
- Priority Pass Select (4 free visits/year)
- Up to $100 TSA PreCheck/Global Entry credit
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
FAQ
›US Bank Altitude Reserve vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (4 vs 0). 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 US Bank Altitude Reserve for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
US Bank Altitude Reserve: 50,000 points after $4,500 in first 3 months (worth $750 toward travel). Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.