Chase Sapphire Preferred vs U.S. Bank Altitude Connect Visa Signature
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$95 (waived first year)
Base Rewards
1x
vs
1x
Sign-Up Bonus
$750
vs
$500
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 6/6 | 0/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $95 (waived first year) |
| Purchase APR | 21.49% – 28.49% | 20.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 5x Travel (Chase) · 3x Dining · 3x Online Groceries | 5x Hotels & Car Rentals (via RTR) · 4x Travel & Gas · 2x Streaming |
| Sign-Up Bonus | $750 value★ Highest | $500 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent travelers who dine out often | Travelers who value cell phone protection and streaming credits |
| Ratings | ||
| User Rating | 4.7 / 5★ Highest | 4.2 / 5✗ Lowest |
| Editor Score | 9 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our verdict: Too close to call
The Chase Sapphire Preferred ($95/year) and the U.S. Bank Altitude Connect Visa Signature ($95/year) compete on different axes. The Chase Sapphire Preferred's strongest category is 5x on Travel (Chase), while the U.S. Bank Altitude Connect Visa Signature leads with 5x on Hotels & Car Rentals (via RTR). Both carry $95/year, so the decision comes down to which rewards structure aligns with your spending — not whether the fee is worth it. Our model scores these cards effectively even (1-2). Pick the Chase Sapphire Preferred if you spend heavily on travel (chase); pick the U.S. Bank Altitude Connect Visa Signature if you spend heavily on hotels & car rentals (via rtr).
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Chase Sapphire Preferred | U.S. Bank Altitude Connect Visa Signature |
|---|---|---|
| Annual Fee | $95/year | $95/year |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 5x on Travel (Chase) | 5x on Hotels & Car Rentals (via RTR) |
| Sign-Up Bonus | 60,000 points after spending $4,000 in 3 months | 50,000 points after spending $2,000 in 120 days |
| Lounge Access | No | Yes |
| Credit Score Required | excellent | good |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Chase Sapphire Preferred or U.S. Bank Altitude Connect Visa Signature?
It depends on your spending habits. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. The U.S. Bank Altitude Connect Visa Signature has a $95 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Sapphire Preferred and U.S. Bank Altitude Connect Visa Signature?
The Chase Sapphire Preferred has a $95 annual fee while the U.S. Bank Altitude Connect Visa Signature has a $95 annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Chase Sapphire Preferred and U.S. Bank Altitude Connect Visa Signature?
Yes, since these cards are from different issuers (Chase and U.S. Bank), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.