Gold Rewards Card vs U.S. Bank Altitude Reserve Visa Infinite Card

Side-by-side comparison of Gold Rewards Card and U.S. Bank Altitude Reserve Visa Infinite Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Gold Rewards Card	U.S. Bank Altitude Reserve Visa Infinite Card
Issuer	American Express	U.S. Bank
Network	American Express	Visa
Card Material	Metal	Metal
Annual Fee	$325.00	$400.00
Base Rate	1.00%	1.00%
Travel Rewards	3.00x	5.00x
Auth. User Fee	$35.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Hotels	5.0%	5.0%
Restaurants	4.0%	1.0% (base)
Supermarkets	4.0%	1.0% (base)
Airline	3.0%	1.0% (base)
Resy	4.0%	1.0% (base)
Dunkin'	4.0%	1.0% (base)
Uber	1.0%	1.0% (base)
Grubhub	4.0%	1.0% (base)
Travel	1.0% (base)	3.0%
Mobile Wallet Purchases	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	12.74% - 21.74%	22.24% - 29.24%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Primary
Baggage Delay	—	—
Baggage Loss	✓	—
Cell Phone Protection	—	—
Extended Warranty	✓	Covered
Purchase Protection	90 days	Covered
Return Protection	—	Covered
Roadside Dispatch	—	—
Trip Cancellation Interruption	—	Covered up to $2,000
Trip Delay	✓	Covered for delays over 6 hours
Tsa Precheck Global Entry	—	Up to $100 statement credit every 4 years

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard