Credit Cards » Compare Credit Cards » U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?
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U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Choosing between the U.S. Bank Altitude Reserve Visa Infinite Card and the Chase Sapphire Reserve can be a tough decision, as both cards offer a variety of premium travel benefits for frequent travelers.

General Comparison

The Altitude Reserve is a standout card for travelers, giving cool perks like free access to airport lounges through Priority Pass Select and a great system for earning points.

This U.S. Bank Altitude Reserve Visa Infinite Card is all about rewarding you for spending on travel and using mobile wallets like Apple Pay or Google Pay. If you use it a lot, especially with mobile wallets, you can earn a bunch of points. The card has an annual fee, but it gives you a $325 travel credit, making it a good choice for people who travel a lot and want luxury perks.

But here's the thing: it's a bit different from other fancy travel cards because you can't transfer your points to airline or hotel programs, which is a big drawback.

The Chase Sapphire Reserve® is a powerhouse for travel enthusiasts, offering premium benefits and rewards in a sleek metal card. The card earns Chase Ultimate Rewards® points, known for their flexibility. Travel bookings through the Ultimate Rewards portal receive a 50% boost in value, and you can transfer points to over a dozen airline and hotel partners.

Chase Sapphire Reserve Hotel Transfer Partners - IHG, Marriot, Hyatt
Chase Sapphire Reserve Hotel Transfer Partners - IHG, Marriot, Hyatt (Screenshot from Chase app)

The card comes with exclusive perks like Priority Pass Select Lounge Access, a $300 annual statement credit for eligible travel, and a Global Entry or TSA PreCheck fee reimbursement.

Unlike the Reserve card, transfer options to various airline and hotel partners offer additional flexibility, although it's crucial to note that once transferred, points cannot be returned to the Ultimate Rewards account.

Here's a comparison of the card's main features:

U.S. Bank Altitude® Reserve Visa Infinite® Card

Chase Sapphire Reserve
U.S. Bank Altitude Reserve
Annual Fee
$550
$400
Rewards
5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases
5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases
Welcome bonus
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
22.24%–29.24% variable APR
18.99% – 28.99% variable
Read Review
Read Review
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Rewards: Which Card Gives More?

As we can see on our analysis, comparing how many points you get for your spending, the Chase Sapphire Reserve card is a better pick. It gives you more points for the same amount spent, leading to a higher estimated yearly value.

But, if you mostly use a mobile wallet to pay, the Altitude Reserve card could be better. It offers more points for all types of spending when you use a mobile wallet. So, the choice between the two cards can vary a lot based on how you usually make your payments.

U.S. Bank Altitude® Reserve Visa Infinite® Card

Spend Per Category
Chase Sapphire Reserve
U.S. Bank Altitude Reserve
$10,000 – U.S Supermarkets
10,000 points
10,000 points
$5,000 – Restaurants
15,000 points
5,000 points
$6,000 – Hotels
60,000 points
30,000 points
$8,000 – Airline
40,000 points
24,000 points
$4,000 – Gas
4,000 points
4,000 points
Total Points
129,000 points
73000 points
Estimated Redemption Value
1 point ~ 1 – 1.5 cent
1 point = ~1 – 1.5 cent
Estimated Annual Value
$1,290 – $1,935
$730 – 1,095

Travel And Airline Benefits: Comparison

In addition to bonus points and welcome bonuses, both cards offer a range of extra perks. In our opinion, the Chase Sapphire Reserve card also wins in this category, as it offers a 50% boost in travel redemption rate and a higher value of statement credits. 

Chase Sapphire Reserve

  • $300 Annual Travel Credit: Obtain a statement credit of up to $300 annually, applicable to various travel purchases.
  •  50% Boost in Travel Redemption Value: When redeeming points for travel, enjoy a 50% boost in value, translating to, for instance, $900 for 60,000 points.
  • Complimentary Airport Lounge Access: Benefit from complimentary access to over 1,300 airport lounges worldwide, extending to you and up to two guests.
Priority pass lounge
Priority pass lounge (Photo by EQRoy/Shutterstock)
  • $100 Global Entry/TSA PreCheck/NEXUS Fee Credit: Receive a statement credit of up to $100 every four years to cover application fees for Global Entry, TSA PreCheck, or NEXUS.
  • 24/7 Customer Service: Access dedicated customer service specialists around the clock for timely assistance.
  • Lyft Pink Membership: Enjoy a complimentary two-year membership to Lyft Pink All Access, inclusive of discounts and rewards.
  • DoorDash DashPass Subscription: Avail a year of $0 delivery fees and reduced service fees on eligible orders.
  • Monthly DoorDash Credit: Receive $5 in DoorDash credits monthly until December 31, 2024.
  • Instacart Membership: Receive a one-year complimentary Instacart+ membership for convenient grocery delivery.
  • Monthly Instacart Credit: Instacart+ members can earn up to $15 in statement credits each month through July 2024.
  • Priority Pass Select Membership: Gain access to over 1,300 VIP airport lounges globally for an enhanced travel experience.
  • Luxury Hotel & Resort Collection: Enjoy perks such as room upgrades, daily breakfast, late checkout, and additional benefits at select hotels and resorts.
  • 10x on Peloton Purchases: Earn a total of 10 times the points on Peloton equipment and accessories priced over $150 until March 31, 2025.
U.S. Bank Altitude Reserve Visa Infinite

U.S. Bank Altitude® Reserve Visa Infinite® Card

  • Airport Lounge Access: Enjoy complimentary Priority Pass™ Select membership, providing 8 free visits to over 1,300 airport VIP lounges worldwide.

  • Pay Over Time with U.S. Bank ExtendPay® Plan: New cardmembers can benefit from a $0 fee offer on ExtendPay Plans opened within the first 60 days after account opening.

  • Visa Infinite® Luxury Hotel Collection: Access an exclusive collection of benefits at some of the world's most prestigious hotels.

  • TSA PreCheck® or Global Entry®: Receive up to $100 in statement credits to cover your application fee once every four years.

  • $325 Annual Credit: Get up to $325 in annual credits through reimbursement for eligible travel, dining, takeout, and restaurant delivery purchases.

  • Visa Infinite perks: Visa Infinite credit cards offer a range of benefits, including purchase protection, extended warranty, and return coverage. In emergencies, cardholders have access to services like roadside assistance, emergency card replacement, and cash disbursement within hours. Travel perks include trip cancellation reimbursement, lost luggage coverage, and auto rental collision damage waiver.

When You Might Prefer The Chase Sapphire Reserve?

You might prefer the Chase Sapphire Reserve card because it offers:

  • More Points for Your Money: Our analysis shows that the Chase Sapphire Reserve gives you more points for the same spending, making it a better choice than the U.S. Bank Altitude Reserve card, especially if you don't often pay with a mobile wallet.

  • Points Transfer Options: With the Chase Sapphire Reserve, you can transfer your points to several premium airline and hotel partners, a feature not available with the U.S. Bank Altitude Reserve card.

  • Lots of Ways to Redeem: If you like having many options for using your rewards, the Chase Sapphire Reserve is more flexible with its Chase Ultimate Rewards program. It lets you use points for various travel expenses, not just specific categories.

Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The U.S. Bank Altitude Reserve?

You might lean towards the U.S. Bank Altitude Reserve Visa Infinite card because:

  • Frequent Mobile Wallet Users: If you're someone who prefers paying with mobile wallets like Apple Pay or Google Pay, the Altitude Reserve might be better because it rewards you with more points for such transactions compared to the Sapphire Reserve.

  • Seeking a Lower Annual Fee: The Altitude Reserve has a lower annual fee compared to the Sapphire Reserve, which may be appealing for those who want premium benefits without the higher cost.

Compare The Alternatives

If you're looking for a luxury credit card with travel rewards – there are some good alternatives you may want to consider:

amex platinum

chase_sapphire_preffered

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Preferred® Card
Capital One Venture X Rewards
Annual Fee
$95
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
2X – 5X 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
21.24%–28.24% variable APR
19.99% – 29.99% (Variable)

Compare Chase Sapphire Reserve Card

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Card Is Best?

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.

Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard: Which Card Is Best?

Compare U.S. Bank Altitude Reserve Visa Infinite

While the U.S. Bank Altitude Reserve offers better travel perks than the Altitude Connect, we don't think it is worth the higher annual fee.

U.S. Bank Altitude Connect vs. U.S. Bank Altitude Reserve

The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.

U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?

While having the similar annual fees, the Capital One Venture X offers more cashback for the same spend and better travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Capital One Venture X: How They Compare?

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.