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Credit Card Coups
COMPARE/SAPPHIRE PREFERRED VS U.S. BANK ALTITUDE RESERVE
FIRST CARD
SECOND CARD

Chase Sapphire Preferred or U.S. Bank Altitude Reserve?

Chase Sapphire Preferred returns $455 over its fee and U.S. Bank Altitude Reserve returns $45, so the fee difference comes down to which categories you use.

Chase Sapphire Preferred
Chase Sapphire PreferredChase · $95 fee · 5 credits
U.S. Bank Altitude Reserve
U.S. Bank Altitude ReserveU.S. Bank · $400 fee · 2 credits
NET VALUE+$455$550 credits
NET VALUE-$45$355 credits
BEST NET VALUE
Chase Sapphire Preferred
CHASEChase Sapphire Preferred
FEE$95
CREDITS$550
NET+$455
Category wins2 of 3
U.S. Bank Altitude Reserve
U.S. BANKU.S. Bank Altitude Reserve
FEE$400
CREDITS$355
NET-$45
Category wins1 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
Priority Pass Select (Limited Visits)
TAKE THE SAPPHIRE PREFERRED IF

You use food & dining, entertainment & media. Food & Dining and Entertainment & Media alone are worth $420 here and nothing on the U.S. Bank Altitude Reserve.

TAKE THE U.S. BANK ALTITUDE RESERVE IF

You use travel.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, Chase Sapphire Preferred or U.S. Bank Altitude Reserve?

The Chase Sapphire Preferred is better with $455 net annual value compared to the U.S. Bank Altitude Reserve at -$45. The Chase Sapphire Preferred wins by $500/year.

What's the difference between Chase Sapphire Preferred and U.S. Bank Altitude Reserve?

The key differences: U.S. Bank Altitude Reserve has a $400 annual fee and $550 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $355 in annual benefits. The annual fee difference is $305.

Which has a lower annual fee, Chase Sapphire Preferred or U.S. Bank Altitude Reserve?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the U.S. Bank Altitude Reserve at $400. However, the U.S. Bank Altitude Reserve offers $355 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the U.S. Bank Altitude Reserve?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to -$45 for the U.S. Bank Altitude Reserve. It also has a lower annual fee.

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

For these specific cards, Chase's Chase Sapphire Preferred offers better value with $455 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The Chase Sapphire Preferred is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the U.S. Bank Altitude Reserve.

Should I get the Chase Sapphire Preferred?

If you're deciding between the Chase Sapphire Preferred and U.S. Bank Altitude Reserve, the Chase Sapphire Preferred is the better choice with $455 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE SAPPHIRE PREFERRED COMPARISONS

MORE U.S. BANK ALTITUDE RESERVE COMPARISONS