U.S. Bank Altitude Reserve Visa Infinite Card vs Chase Sapphire Preferred

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

Snapshot

	U.S. Bank Altitude Reserve Visa Infinite Card	Chase Sapphire Preferred
Issuer	U.S. Bank	Chase
Network	Visa	Visa
Card Material	Metal	Metal
Annual Fee	$400.00	$95.00
Base Rate	1.00%	1.00%
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)	1.0% (base)
Hotels	5.0%	1.0% (base)
Travel	3.0%	5.0%
Mobile Wallet Purchases	3.0%	1.0% (base)
Restaurants	1.0% (base)	3.0%
Supermarkets	1.0% (base)	3.0%
Streaming	1.0% (base)	3.0%
Peloton	1.0% (base)	5.0%
Lyft	1.0% (base)	5.0%
Anniversary Bonus	None	0.1
Portal Boost	1x	1.25x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

—

1:1

Pricing Details

Purchase APR	22.24% - 29.24%	12.49% - 20.74%
Cash Advance APR	29.99%	21.74%
Penalty APR	N/A	23.24%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary	✓
Baggage Delay	—	✓
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	Covered	✓
Purchase Protection	Covered	120 days
Return Protection	Covered	—
Roadside Dispatch	—	Pay-per-use
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