BECU Low Rate Credit Card vs U.S. Bank Business Altitude Power Visa Signature Card

Common questions

Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or U.S. Bank Business Altitude Power Visa Signature Card?

The U.S. Bank Business Altitude Power Visa Signature Card has the bigger bonus, 75,000 Altitude points, worth roughly $750, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.

Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the U.S. Bank Business Altitude Power Visa Signature Card?

The BECU Low Rate Credit Card has no annual fee, so the question is whether the U.S. Bank Business Altitude Power Visa Signature Card's $195 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Altitude Power Visa Signature Card's benefits to clear $195 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.

Can I have both the BECU Low Rate Credit Card and U.S. Bank Business Altitude Power Visa Signature Card?

Yes, since they're from different issuers (BECU 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 BECU Low Rate Credit Card or the U.S. Bank Business Altitude Power Visa Signature Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. U.S. Bank Business Altitude Power Visa Signature Card: $10,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.