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Delta SkyMiles Reserve Business American Express Card vs U.S. Bank Altitude Reserve Visa Infinite

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the U.S. Bank Altitude Reserve Visa Infinite from U.S. Bank at $400/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the U.S. Bank Altitude Reserve Visa Infinite — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve Business American Express CardU.S. Bank Altitude Reserve Visa Infinite
Annual fee$650$400
Sign-up bonus100,000 miles50,000 points
Bonus value (est.)$1,200$750
Min spend to unlock bonus$8,000 in 6 mo$4,500 in 3 mo
IssuerAmerican ExpressU.S. Bank
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersskymilesNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • $325 annual travel credit
  • 5x mobile wallet travel + dining
  • 8 Priority Pass visits/year
  • 12 Gogo in-flight passes
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 100,000 miles
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: U.S. Bank Altitude Reserve Visa Infinite

The hidden-gem premium card for mobile-wallet users — 5x on travel + dining via Apple Pay or Google Pay is the strongest single earning multiplier available. The $325 travel credit applies broadly (almost anything coded as travel or dining). Worth the $400 fee for anyone who taps to pay.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or U.S. Bank Altitude Reserve Visa Infinite?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus — 100,000 miles, worth roughly $1,200, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The U.S. Bank Altitude Reserve Visa Infinite at $400/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and U.S. Bank Altitude Reserve Visa Infinite?
Yes, since they're from different issuers (American Express and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Reserve Business American Express Card or the U.S. Bank Altitude Reserve Visa Infinite first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $8,000 spend in 6 months. U.S. Bank Altitude Reserve Visa Infinite: $4,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.