U.S. Bank Altitude Reserve Visa Infinite Card vs Capital One Spark Miles Select for Business

Side-by-side comparison of U.S. Bank Altitude Reserve Visa Infinite Card and Capital One Spark Miles Select for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	U.S. Bank Altitude Reserve Visa Infinite Card	Capital One Spark Miles Select for Business
Issuer	U.S. Bank	Capital One
Network	Visa	Visa
Card Material	Metal	Plastic
Annual Fee	$400.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	5.00x	0.00x
Auth. User Fee	$0.00	$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)	1.5% (base)
Hotels	5.0%	1.5% (base)
Travel	3.0%	1.5% (base)
Mobile Wallet Purchases	3.0%	1.5% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	18 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	22.24% - 29.24%	18.49% - 24.49%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$41	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	Covered	Extends warranty by 1 year
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