Editorial take: Chase Sapphire Preferred
The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game.
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Side-by-side
Chase Sapphire Preferred vs U.S. Bank Altitude Reserve Visa Infinite
Both are travel travel cards. The Chase Sapphire Preferred comes from Chase at $95/yr; the U.S. Bank Altitude Reserve Visa Infinite from U.S. Bank at $400/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Preferred is the stronger pick today — the sign-up bonus is meaningfully larger ($750 more in estimated value) than the U.S. Bank Altitude Reserve Visa Infinite's. Get the Chase Sapphire Preferred first; revisit the U.S. Bank Altitude Reserve Visa Infinite after you've earned that bonus.
| Feature | Chase Sapphire Preferred | U.S. Bank Altitude Reserve Visa Infinite |
|---|---|---|
| Annual fee | $95 | $400 |
| Sign-up bonus | 75,000 points | 50,000 points |
| Bonus value (est.) | $1,500 | $750 |
| Min spend to unlock bonus | $5,000 in 3 mo | $4,500 in 3 mo |
| Issuer | Chase | U.S. Bank |
| Card category | travel | travel |
| Best earning category (Travel) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points
Editorial take: U.S. Bank Altitude Reserve Visa Infinite
The hidden-gem premium card for mobile-wallet users — 5x on travel + dining via Apple Pay or Google Pay is the strongest single earning multiplier available. The $325 travel credit applies broadly (almost anything coded as travel or dining). Worth the $400 fee for anyone who taps to pay.
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Preferred or U.S. Bank Altitude Reserve Visa Infinite?
- The Chase Sapphire Preferred has the bigger bonus — 75,000 points, worth roughly $1,500, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
- Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
- At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the U.S. Bank Altitude Reserve Visa Infinite's — pick the one whose perks you'll actually use.
- Can I have both the Chase Sapphire Preferred and U.S. Bank Altitude Reserve Visa Infinite?
- Yes, since they're from different issuers (Chase and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Sapphire Preferred or the U.S. Bank Altitude Reserve Visa Infinite first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. U.S. Bank Altitude Reserve Visa Infinite: $4,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.