Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs U.S. Bank Altitude Reserve Visa Infinite
Both are travel travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/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
For most people the U.S. Bank Altitude Reserve Visa Infinite is the stronger pick today — the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Bilt Mastercard's. Get the U.S. Bank Altitude Reserve Visa Infinite first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | U.S. Bank Altitude Reserve Visa Infinite |
|---|---|---|
| Annual fee | $0 | $400 |
| Sign-up bonus | No public offer | 50,000 points |
| Bonus value (est.) | $0 | $750 |
| Min spend to unlock bonus | $0 in 0 mo | $4,500 in 3 mo |
| Issuer | Bilt / Wells Fargo | U.S. Bank |
| Card category | travel | travel |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | bilt | None |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points
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, Bilt Mastercard or U.S. Bank Altitude Reserve Visa Infinite?
- The U.S. Bank Altitude Reserve Visa Infinite has the bigger bonus — 50,000 points, worth roughly $750, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
- The Bilt Mastercard has no annual fee, so the question is whether the U.S. Bank Altitude Reserve Visa Infinite's $400 fee is justified by its perks. If you'll use enough of the U.S. Bank Altitude Reserve Visa Infinite's benefits to clear $400 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and U.S. Bank Altitude Reserve Visa Infinite?
- Yes, since they're from different issuers (Bilt / Wells Fargo 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 Bilt Mastercard or the U.S. Bank Altitude Reserve Visa Infinite first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 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.