Chase Sapphire Preferred vs U.S. Bank Altitude Reserve Visa Infinite

The Chase Sapphire Preferred ($95/year) and the U.S. Bank Altitude Reserve Visa Infinite ($400/year) compete on different axes. The Chase Sapphire Preferred's strongest category is 5x on Travel (Chase), while the U.S. Bank Altitude Reserve Visa Infinite leads with 5x on Travel (booked via Altitude). The U.S. Bank Altitude Reserve Visa Infinite costs $305 more per year, so you need at least $305 in incremental rewards to justify it over the Chase Sapphire Preferred. At typical spend levels this breaks even somewhere between $9,150 and $18,300 in bonus-category purchases annually. Our model scores these cards effectively even (1-0). Pick the Chase Sapphire Preferred if you spend heavily on travel (chase); pick the U.S. Bank Altitude Reserve Visa Infinite if you spend heavily on travel (booked via altitude).

Too close to call — pick based on your primary spending category