American Express Marriott Bonvoy Brilliant vs U.S. Bank Altitude Reserve Comparison

The U.S. Bank Altitude Reserve is better with $45 net annual value compared to the American Express Marriott Bonvoy Brilliant at -$230. The U.S. Bank Altitude Reserve wins by $275/year.

The key differences: American Express Marriott Bonvoy Brilliant has a $650 annual fee and $445 in annual benefits, while U.S. Bank Altitude Reserve has a $400 annual fee and $420 in annual benefits. The annual fee difference is $250.

The U.S. Bank Altitude Reserve has a lower annual fee at $400 compared to the American Express Marriott Bonvoy Brilliant at $650. However, the American Express Marriott Bonvoy Brilliant offers $420 in total annual benefits.

Yes, the U.S. Bank Altitude Reserve offers better value with $45 net annual value compared to -$230 for the American Express Marriott Bonvoy Brilliant. It also has a lower annual fee.

For these specific cards, U.S. Bank's U.S. Bank Altitude Reserve offers better value with $45 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The U.S. Bank Altitude Reserve is better for travel with $325 in annual travel benefits compared to $0 for the American Express Marriott Bonvoy Brilliant.

If you're deciding between the American Express Marriott Bonvoy Brilliant and U.S. Bank Altitude Reserve, the U.S. Bank Altitude Reserve is the better choice with $45 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.