Capital One VentureOne Rewards Credit Card
vs. U.S. Bank Altitude® Go Visa Signature® Card

Shield Insurance

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If you're seeking a card with rewards and 0% APR introductory offers, you may be considering the Capital One VentureOne Rewards Credit Card and the U.S. Bank Altitude Go Visa Signature Card. The Capital One VentureOne has a stronger balance transfer offer. In contrast, U.S. Bank Altitude Go's dining rewards make it a stronger card for rewards.

Credit Card logo for Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Credit Card logo for U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
MoneyGeek Rating
3.7/ of 5
MoneyGeek Rating
5/ of 5
On Issuer's Site
On Issuer's Site

Capital One VentureOne Rewards Credit Card vs. U.S. Bank Altitude® Go Visa Signature® Card: Which Is Better for You?

You might prefer the Capital One VentureOne Rewards Credit Card if: You value a longer introductory APR period and prioritize travel rewards. With a 0% introductory APR for 15 months on purchases and balance transfers, this card gives you a longer window to manage new purchases or existing debt without accruing interest. Additionally, the card offers unlimited earning potential on travel purchases made through Capital One Travel, making it a solid choice for frequent travelers. The recommended credit score range of 670 to 850 suggests it's accessible to those with good to excellent credit, and the higher issuer satisfaction rating indicates a positive cardholder experience.

You might prefer the U.S. Bank Altitude® Go Visa Signature® Card if: You're a food enthusiast who dines out frequently and wants to earn substantial rewards on those purchases. This card offers 4X points on dining, including takeout and delivery, and 2X points on grocery stores, gas stations and streaming services. However, the introductory APR period for purchases and balance transfers is slightly shorter at 12 billing cycles.

MoneyGeek's Take on the Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a solid choice for those with good to excellent credit. The introductory offer includes 0% APR for 15 months on purchases and balance transfers, making it a smart pick for those looking to make a large purchase or transfer balances. It offers 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

Capital One VentureOne Rewards Credit Card
Credit Card logo for Capital One VentureOne Rewards Credit Card
MoneyGeek Rating
3.7/ of 5
On Issuer's Site

Regular APR
19.74% - 29.74% variable
0% APR Offer
0% for 15 months on purchases
Balance Transfer Offer
0% for 15 months on balance transfers
Rewards Summary
Earn 1.25 miles on every purchase
Recommended Credit
670-850 (Good to Excellent)

MoneyGeek's Take on the U.S. Bank Altitude® Go Visa Signature® Card

The U.S. Bank Altitude Go Visa Signature Card has a lower MoneyGeek balance transfer score than Capital One VentureOne Rewards Card, indicating a slightly lower-than-average balance transfer offer. However, with no annual fee, this card is a solid choice for food enthusiasts looking to maximize their rewards. The card offers 4 points per dollar on dining, including takeout and delivery, and 2X points on grocery stores, grocery delivery, streaming services, gas stations and EV charging stations, making it a solid rewards card for most daily spending.

U.S. Bank Altitude® Go Visa Signature® Card
Credit Card logo for U.S. Bank Altitude® Go Visa Signature® Card
MoneyGeek Rating
5/ of 5
On Issuer's Site

Regular APR
17.49% - 28.49% variable
0% APR Offer
0% for the first 12 billing cycles
Balance Transfer Offer
0% for the first 12 billing cycles
Rewards Summary
Earn 1X – 4X points
Recommended Credit
670-850 (good to excellent)*

Details Comparison: Capital One VentureOne Rewards Credit Card vs. U.S. Bank Altitude® Go Visa Signature® Card

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This clear view of each card's performance enables you to choose based on your spending habits and financial goals — whether dining out is a significant part of your budget or you prefer a card with a longer introductory APR period for purchases.

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    Regular APR

    The U.S. Bank Altitude Go Visa Signature Card offers a slightly lower APR range of 18.24% to 29.24% variable, compared to the Capital One VentureOne Rewards Credit Card's APR range of 19.99% to 29.99% variable.

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    Annual Fee

    Both cards have a $0 annual fee. This feature makes them equally appealing for individuals seeking to avoid yearly charges.

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    Introductory 0% APRs

    The Capital One VentureOne Rewards Credit Card offers a longer introductory 0% APR period of 15 months on purchases and balance transfers, compared to the U.S. Bank Altitude Go Visa Signature Card's 12 billing cycles. Capital One VentureOne is the better choice for those seeking longer 0% APR periods.

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    Rewards

    The U.S. Bank Altitude Go Visa Signature Card is better for rewards, offering a more diverse rewards structure with a 4.1 effective reward rate and an expected reward value of $509. It caters to various spending categories, including dining, groceries and streaming services. In contrast, the Capital One VentureOne Rewards Credit Card focuses on travel rewards.

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    Welcome Offers

    Both cards offer a bonus of 20,000. The Capital One VentureOne requires spending $500 in the first three months, whereas the U.S. Bank Altitude Go Visa Signature Card requires spending $1,000 in the first 90 days. The Capital One VentureOne Rewards Credit Card is better for those looking for a lower spending threshold to achieve the welcome offer.

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    Recommended Credit Score

    The Capital One VentureOne Rewards Credit Card is better for individuals with a known credit score within the 670 to 850 range, providing clear guidance on the creditworthiness needed. The U.S. Bank Altitude Go Visa Signature Card does not specify a recommended credit score.

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    Penalties and Fees

    Neither card has a clear advantage in terms of penalties and fees. The Capital One VentureOne Rewards Credit Card and the U.S. Bank Altitude Go Visa Signature Card have a late fee of up to $40 and $41, respectively, and neither imposes a penalty APR. For cash advance fees, Capital One charges 3% for the first 15 months, while U.S. Bank charges either 5% of the amount or $10 minimum. Both cards do not charge foreign transaction fees.

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    Issuer Satisfaction

    The Capital One VentureOne Rewards Credit Card has a higher issuer satisfaction rating compared to the U.S. Bank Altitude Go Visa Signature Card.

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    Other Features & Perks

    The Capital One VentureOne Rewards Credit Card is appealing for travelers, as it has no foreign transaction fees and offers travel accident insurance and auto rental collision damage waiver. On the other hand, the U.S. Bank Altitude Go Visa Signature Card shines for those who spend more on dining and streaming services, offering higher point-earning rates in these categories and an annual streaming service credit.

FAQ: Capital One VentureOne Rewards Credit Card vs. U.S. Bank Altitude® Go Visa Signature® Card

What are the APR ranges for the Capital One VentureOne and U.S. Bank Altitude Go cards?

How do the annual fees compare between the two cards?

Which card offers better rewards for dining and travel?

Are there any introductory offers associated with these cards?

What credit scores are needed for the Capital One VentureOne and U.S. Bank Altitude Go cards?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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