The U.S. Bank Altitude Reserve Visa Infinite and the Capital One Venture X are luxury credit cards, offering premium travel rewards and a generous points rewards system. Let's compare them side by side:
General Comparison
The Altitude Reserve stands out with its robust travel benefits, offering complimentary Priority Pass Select membership for airport lounge access and a generous point rewards system.
The U.S. Bank Altitude Reserve Visa Infinite Card incentivizes users with rewards for travel spending and transactions made through mobile wallets like Apple Pay or Google Pay. Consistent use of the card, especially through mobile wallets, can lead to substantial point accumulation. Also, with an annual fee of $400, offset by a $325 travel credit, it targets frequent travelers seeking luxury perks.
However, it differs from other leading premium travel credit cards as it lacks the option to transfer points to airline or hotel loyalty programs, setting it apart in terms of redemption options.
The Capital One Venture X Rewards Credit Card is a premium travel card with a $395 annual fee offering top-tier benefits. Its highlights include a substantial bonus miles.
Despite the fee, the card's perks, such as lounge access, annual travel credit, and competitive rewards rates, make it worthwhile for frequent travelers. However, the card's value heavily relies on booking travel through the Capital One portal.
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Credit Card Points Battle: A Side-by-Side Analysis
When it comes to earning points for your spending, the Venture X card is the better option. It gives you more points for the same amount of spending, offering a higher estimated yearly value.
However, if you tend to use a mobile wallet for most of your purchases, the Altitude Reserve card might be a better fit. It offers more points for all types of spending when you use a mobile wallet, so the comparison can vary based on your payment habits.
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|---|---|---|
Spend Per Category | Capital One Venture X | U.S. Bank Altitude Reserve |
$15,000 – U.S Supermarkets | 30,000 miles | 15,000 points |
$5,000 – Restaurants
| 10,000 miles | 5,000 points |
$5,000 – Airline | 25,000 miles | 15,000 points |
$5,000 – Hotels | 50,000 miles | 25,000 points |
$4,000 – Gas | 8,000 miles | 4,000 points |
Total Miles/Points | 123,000 miles | 64,000 points |
Estimated Redemption Value | 1 point = ~1 cent | 1 point = ~1 – 1.5 cent |
Estimated Annual Value | $1,230 | $640 – $960 |
Which Card Offers Better Travel Benefits?
Capital One Venture X
- $300 Annual Travel Credit: Get a $300 annual credit for bookings through Capital One Travel, offering competitive prices on a wide range of travel options.
- $100 experience credit: With the Capital One Venture X card, you can enjoy a $100 experience credit, daily breakfast for two, and premium benefits, along with earning 10X miles on hotel stays booked through Capital One Travel.
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
- Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
- Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
- Miles Redemption: Use your Capital One miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 15+ travel loyalty programs.
- Auto Rental Collision Damage Waiver: Enjoy primary coverage against theft and collision damage for most rental cars globally, provided you opt out of the rental company's insurance. Reimbursement extends up to the actual cash value of the vehicle.
- Complimentary PRIOR Subscription: Cardholders receive a complimentary PRIOR Subscription worth $149, offering access to extraordinary travel experiences and destination guides.
- Free Additional Cardholders: Add cardholders to your account for free, allowing them to enjoy benefits while you earn rewards on their spending.
- 10,000 Miles Anniversary Bonus: Cardholders receive 10,000 bonus miles (equal to $100 towards travel) every year, starting on their first anniversary.
- Visa Infinite concierge: A Visa Infinite concierge will help make the reservation and more, like line up live stage shows, music or sporting event tickets.
- Referrals Bonus: Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
- Lifestyle Collection: Unlock premium benefits with every hotel stay, including a $50 experience credit, room upgrades when available, and earning 10X miles on hotel stays booked through Capital One Travel.
U.S. Bank Altitude Reserve Visa Infinite
Airport Lounge Access: Enjoy complimentary Priority Pass™ Select membership, providing 8 free visits to over 1,300 airport VIP lounges worldwide.
Pay Over Time with U.S. Bank ExtendPay® Plan: New cardmembers can benefit from a $0 fee offer on ExtendPay Plans opened within the first 60 days after account opening.
Visa Infinite® Luxury Hotel Collection: Access an exclusive collection of benefits at some of the world's most prestigious hotels.
TSA PreCheck® or Global Entry®: Receive up to $100 in statement credits to cover your application fee once every four years.
$325 Annual Credit: Get up to $325 in annual credits through reimbursement for eligible travel, dining, takeout, and restaurant delivery purchases.
Visa Infinite perks: Visa Infinite credit cards come with a variety of benefits, such as purchase protection, extended warranties, and return coverage. In case of emergencies, you can access services like roadside assistance, emergency card replacement, and cash disbursement within hours. For travel, you’ll also enjoy perks like trip cancellation reimbursement, lost luggage coverage, and an auto rental collision damage waiver.
When You Might Want the Capital One Venture X?
If you're a frequent traveler with a taste for luxury, a desire for exclusive experiences, and an appreciation for ongoing rewards, the Venture X card stands out as:
More Points for Your Spending: According to our analysis, the Venture X card gives you a better points rewards ratio compared to the U.S. Bank Altitude Reserve card, as long as you're not regularly using a mobile wallet.
Points Transfer: Unlike the U.S. Bank Altitude Reserve card, the Venture X allows you to transfer your points to premium airline and hotel partners, providing more flexibility in how you use your rewards.
Richer Extra Benefits: The Venture X card comes with additional perks that offer higher value compared to the U.S. Bank Altitude Reserve card. This includes more options for lounge access, various statement credits, and Hertz Gold Plus Rewards status.
Flexible Redemption Choices: If you like having diverse options for redeeming your rewards, Venture X is more flexible with its Capital One Travel. It lets you use points for various travel expenses, not restricting you to specific categories.
When You Might Prefer The U.S. Bank Altitude Reserve?
You might lean towards the U.S. Bank Altitude Reserve Visa Infinite card because:
If You Use Mobile Wallets a Lot: If you're the type who likes to pay with Apple Pay or Google Pay, go for the Altitude Reserve. It gives you more points for those transactions than the Capital One Venture X does.
Compare The Alternatives
If you're looking for a luxury credit card with travel rewards – there are some good alternatives you may want to consider:
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The Platinum Card® from American Express | Chase Sapphire Reserve® | Capital One Venture X Rewards | |
Annual Fee | $695. See Rates & Fees | $550 | $395 |
Rewards |
1X – 5X
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
|
1X – 10X
5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.
| 1X – 10X
10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
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Welcome bonus |
80,000 points
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
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60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
| 75,000 miles
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
|
Foreign Transaction Fee | $0. See Rates & Fees | $0 | $0
|
Purchase APR | See Pay Over Time APR | 21.99% – 28.99% variable APR | 19.99% – 29.74% (Variable) |
Compare Capital One Venture X Card
The Venture X card outshines the Venture card with superior rewards and premium travel perks. Is It worth the annual fee difference?
The Amex Platinum wins when it comes to redemption options and protections, but the Venture X is cheaper and offers great travel benefits.
Amex Platinum Card vs. Capital One Venture X: Which Card Is Best?
While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.
Chase Sapphire Reserve vs. Capital One Venture X: Which Card Is Best?
The Venture X card offers better travel perks than the Sapphire Preferred, such as annual credit and lounge access. But is it worth the fee?
Capital One Venture X vs. Chase Sapphire Preferred: Which Card Is Best?
The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.
Amex Gold Card vs. Capital One Venture X : How They Compare?
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Compare U.S. Bank Altitude Reserve Visa Infinite
While the U.S. Bank Altitude Reserve offers better travel perks than the Altitude Connect, we don't think it is worth the higher annual fee.
The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.
U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?
Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.
U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?
