Bank of America Business Advantage Customized Cash Rewards Mastercard vs U.S. Bank Altitude Reserve Visa Infinite Card

Side-by-side comparison of Bank of America Business Advantage Customized Cash Rewards Mastercard and U.S. Bank Altitude Reserve Visa Infinite Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Business Advantage Customized Cash Rewards Mastercard	U.S. Bank Altitude Reserve Visa Infinite Card
Issuer	Bank of America	U.S. Bank
Network	Mastercard	Visa
Card Material	Plastic	Metal
Annual Fee	$0.00	$400.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Category of your choice (up to $50K combined w/ dining per year)	3.0%	1.0% (base)
Dining (up to $50K combined w/ 3% per year)	2.0%	1.0% (base)
Hotels	1.0% (base)	5.0%
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	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	18.49% - 28.49%	22.24% - 29.24%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$39	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Covered
Purchase Protection	—	Covered
Return Protection	—	Covered
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