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Capital One Spark Miles for Business vs U.S. Bank Altitude Reserve Visa Infinite

Both are well-respected travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureCapital One Spark Miles for BusinessU.S. Bank Altitude Reserve Visa Infinite
Annual fee$95$400
Sign-up bonus50,000 miles50,000 points
Bonus value (est.)$900$750
Min spend to unlock bonus$4,500 in 3 mo$4,500 in 3 mo
IssuerCapital OneU.S. Bank
Card categorybusinesstravel
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneNone
Headline benefits
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
  • $325 annual travel credit
  • 5x mobile wallet travel + dining
  • 8 Priority Pass visits/year
  • 12 Gogo in-flight passes
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points

Editorial take: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

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, Capital One Spark Miles for Business or U.S. Bank Altitude Reserve Visa Infinite?
The Capital One Spark Miles for Business has the bigger bonus — 50,000 miles, worth roughly $900, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the U.S. Bank Altitude Reserve Visa Infinite's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and U.S. Bank Altitude Reserve Visa Infinite?
Yes, since they're from different issuers (Capital One 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 Capital One Spark Miles for Business or the U.S. Bank Altitude Reserve Visa Infinite first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: $4,500 spend in 3 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.