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United Business Card vs U.S. Bank Altitude Reserve Visa Infinite

Both are well-respected travel cards. The United Business Card comes from Chase at $99/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureUnited Business CardU.S. Bank Altitude Reserve Visa Infinite
Annual fee$99$400
Sign-up bonus75,000 miles50,000 points
Bonus value (est.)$1,050$750
Min spend to unlock bonus$5,000 in 3 mo$4,500 in 3 mo
IssuerChaseU.S. Bank
Card categorybusinesstravel
Best earning category (United)2x1x
Transfer partnersmileageplusNone
Headline benefits
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
  • $325 annual travel credit
  • 5x mobile wallet travel + dining
  • 8 Priority Pass visits/year
  • 12 Gogo in-flight passes
Read the full review
United Business Card
$99/yr · 75,000 miles
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points

Editorial take: United Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

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, United Business Card or U.S. Bank Altitude Reserve Visa Infinite?
The United Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
Is the United Business Card's $99 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
At $99/yr, the United Business Card 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 United Business Card 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 United Business Card or the U.S. Bank Altitude Reserve Visa Infinite first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Business Card: $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.