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Credit Card Coups
COMPARE/UNITED CLUB VS U.S. BANK ALTITUDE RESERVE
FIRST CARD
SECOND CARD

Chase United Club or U.S. Bank Altitude Reserve?

Chase United Club returns $119 over its fee and U.S. Bank Altitude Reserve returns $45, so the fee difference comes down to which categories you use.

Chase United Club
Chase United ClubChase · $695 fee · 5 credits
U.S. Bank Altitude Reserve
U.S. Bank Altitude ReserveU.S. Bank · $400 fee · 2 credits
NET VALUE+$119$814 credits
NET VALUE-$45$355 credits
BEST NET VALUE
Chase United Club
CHASEChase United Club
FEE$695
CREDITS$814
NET+$119
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
United Club Membership
U.S. Bank Altitude Reserve
U.S. BANKU.S. Bank Altitude Reserve
FEE$400
CREDITS$355
NET-$45
Category wins0 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
Priority Pass Select (Limited Visits)
TAKE THE UNITED CLUB IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 here and nothing on the U.S. Bank Altitude Reserve.

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 United Club or U.S. Bank Altitude Reserve?

The Chase United Club is better with $119 net annual value compared to the U.S. Bank Altitude Reserve at -$45. The Chase United Club wins by $164/year.

What's the difference between Chase United Club and U.S. Bank Altitude Reserve?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while U.S. Bank Altitude Reserve has a $400 annual fee and $355 in annual benefits. The annual fee difference is $295.

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

The U.S. Bank Altitude Reserve has a lower annual fee at $400 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the Chase United Club worth it compared to the U.S. Bank Altitude Reserve?

Yes, the Chase United Club offers better value with $119 net annual value compared to -$45 for the U.S. Bank Altitude Reserve. Even though it has a higher annual fee ($695 vs $400), the Chase United Club provides more total benefits.

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

For these specific cards, Chase's Chase United Club offers better value with $119 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 United Club 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 United Club?

If you're deciding between the Chase United Club and U.S. Bank Altitude Reserve, the Chase United Club is the better choice with $119 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

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American Express Delta SkyMiles Reserve-$60
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American Express Gold+$99
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American Express Platinum+$2,109
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MORE UNITED CLUB COMPARISONS

MORE U.S. BANK ALTITUDE RESERVE COMPARISONS