Question 1

Which is better, American Express Delta SkyMiles Reserve or U.S. Bank Altitude Reserve?

Accepted Answer

The U.S. Bank Altitude Reserve is better with -$45 net annual value compared to the American Express Delta SkyMiles Reserve at -$60. The U.S. Bank Altitude Reserve wins by $15/year.

Question 2

What's the difference between American Express Delta SkyMiles Reserve and U.S. Bank Altitude Reserve?

Accepted Answer

The key differences: American Express Delta SkyMiles Reserve has a $650 annual fee and $590 in annual benefits, while U.S. Bank Altitude Reserve has a $400 annual fee and $355 in annual benefits. The annual fee difference is $250.

Question 3

Which has a lower annual fee, American Express Delta SkyMiles Reserve or U.S. Bank Altitude Reserve?

Accepted Answer

The U.S. Bank Altitude Reserve has a lower annual fee at $400 compared to the American Express Delta SkyMiles Reserve at $650. However, the American Express Delta SkyMiles Reserve offers $590 in total annual benefits.

Question 4

Is the U.S. Bank Altitude Reserve worth it compared to the American Express Delta SkyMiles Reserve?

Accepted Answer

Yes, the U.S. Bank Altitude Reserve offers better value with -$45 net annual value compared to -$60 for the American Express Delta SkyMiles Reserve. It also has a lower annual fee.

Question 5

Amex vs U.S. Bank: which issuer is better?

Accepted Answer

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.

Question 6

Which card is better for food_and_dining?

Accepted Answer

The American Express Delta SkyMiles Reserve is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the U.S. Bank Altitude Reserve.

Question 7

Should I get the U.S. Bank Altitude Reserve?

Accepted Answer

If you're deciding between the American Express Delta SkyMiles Reserve 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.

CATEGORY	DELTA SKYMILES RESERVE	U.S. BANK ALTITUDE RESERVE
🌎Travel	$200	$325
🍽️Food & Dining	$240	—
🚗Transportation	$120	—
Airline Companion Certificates	Delta First Class Companion Certificate	—
Lounge Access	Centurion Lounge Access Delta Sky Club Access	Priority Pass Select (Limited Visits)
Total credits	$590	$355
Annual fee	$650	$400
Net value	-$60	-$45

American Express Delta SkyMiles Reserve or U.S. Bank Altitude Reserve?

Where to use each card

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