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.
Capital One VentureOne Rewards Credit Card
vs. U.S. Bank Altitude® Go Visa Signature® Card
The Capital One VentureOne Rewards Credit Card offers appealing rewards and doesn't come with an annual fee. On the other hand, the U.S. Bank Altitude Go Visa Signature Card, which also waives the annual fee, delivers better rewards for dining and boasts a higher effective reward rate.
![First credit card image](https://res.cloudinary.com/moneygeek/image/upload/v1698697345/Capital_One_Venture_One_Rewards_1_543aefe14a.png)
![Second credit card image](https://res.cloudinary.com/moneygeek/image/upload/v1670246438/U_S_Bank_Altitude_Go_Visa_Signature_Card_ea3bf4c149.png)
![](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_100,b_white/v1585262247/bbgpw5eliaweh29jfpd8.png)
Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
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.
![](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_100,b_white/v1693513866/1529558645083_bf5d47f035.jpg)
Denise Cristobal
Content Editor
Denise Cristobal is a MoneyGeek content editor with over 14 years of experience in writing, proofreading and copy editing. She has worked with various nonprofits (Chamber of Commerce, Environmental Conservation and Education and Literacy Development) to develop content that furthers their goals and causes. Denise has written on topics including women’s issues, mental health and fitness, among others.
![](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_100,b_white/v1585262247/bbgpw5eliaweh29jfpd8.png)
Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
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.
![](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_100,b_white/v1693513866/1529558645083_bf5d47f035.jpg)
Denise Cristobal
Content Editor
Denise Cristobal is a MoneyGeek content editor with over 14 years of experience in writing, proofreading and copy editing. She has worked with various nonprofits (Chamber of Commerce, Environmental Conservation and Education and Literacy Development) to develop content that furthers their goals and causes. Denise has written on topics including women’s issues, mental health and fitness, among others.
Updated: April 11, 2024
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![Credit Card logo for Capital One VentureOne Rewards Credit Card](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,h_190,w_300/v1698697345/Capital_One_Venture_One_Rewards_1_543aefe14a.png)
![Credit Card logo for U.S. Bank Altitude® Go Visa Signature® Card](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,h_190,w_300/v1670246438/U_S_Bank_Altitude_Go_Visa_Signature_Card_ea3bf4c149.png)
- Regular APR19.99% - 29.99% variable18.24%–29.24% variable0% APR Offer0% for 15 months on purchases0% introductory APR for the first 12 billing cyclesBalance Transfer Offer0% for 15 months on balance transfers0% introductory APR for the first 12 billing cyclesAnnual Fee$0$0Rewards SummaryEarn 1.25 miles on every purchase5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every dayEarn 1X – 4X pointsEarn 4X points per dollar spent on dining (including takeout and delivery), 2X points per dollar spent on grocery, gas and streaming service purchases and 1X point per dollar on all other spending.Recommended Credit670-850 (Good to Excellent)670-850 (Good to Excellent)Not sure?
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.
![Credit Card logo for Capital One VentureOne Rewards Credit Card](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,h_190,w_300/v1698697345/Capital_One_Venture_One_Rewards_1_543aefe14a.png)
On Partner's Website
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.
![Credit Card logo for U.S. Bank Altitude® Go Visa Signature® Card](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,h_190,w_300/v1670246438/U_S_Bank_Altitude_Go_Visa_Signature_Card_ea3bf4c149.png)
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.
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.
Annual Fee
Both cards have a $0 annual fee. This feature makes them equally appealing for individuals seeking to avoid yearly charges.
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.
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.
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.
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.
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.
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.
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
The Capital One VentureOne has an APR range of 19.99% to 29.99% variable, while the U.S. Bank Altitude Go offers 18.24% to 29.24% variable.
Both cards have a $0 annual fee, making them equally cost-effective options.
U.S. Bank Altitude Go offers 4 points per dollar on dining, while Capital One VentureOne provides 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
Yes, both cards offer introductory bonuses: 20,000 Miles for VentureOne and 20,000 bonus points for Altitude Go.
Capital One VentureOne recommends a credit score of 670 to 850. U.S. Bank Altitude Go does not specify a credit score requirement.
About Doug Milnes, CFA
![Doug Milnes, CFA headshot](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_160/v1585262247/bbgpw5eliaweh29jfpd8.png)
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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.