RewardZ Travel
All credit cards
Side-by-side

United Club Business Card vs U.S. Bank Altitude Reserve Visa Infinite

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/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.

FeatureUnited Club Business CardU.S. Bank Altitude Reserve Visa Infinite
Annual fee$695$400
Sign-up bonus75,000 miles50,000 points
Bonus value (est.)$1,050$750
Min spend to unlock bonus$5,000 in 3 mo$4,500 in 3 mo
IssuerChaseU.S. Bank
Card categorybusinesstravel
Best earning category (United)2x1x
Transfer partnersmileageplusNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • $325 annual travel credit
  • 5x mobile wallet travel + dining
  • 8 Priority Pass visits/year
  • 12 Gogo in-flight passes
Read the full review
United Club Business Card
$695/yr · 75,000 miles
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 points

Editorial take: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

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, United Club Business Card or U.S. Bank Altitude Reserve Visa Infinite?
The United Club Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
Is the United Club Business Card's $695 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ 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 United Club Business Card and U.S. Bank Altitude Reserve Visa Infinite?
Yes, since they're from different issuers (Chase 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 United Club Business Card or the U.S. Bank Altitude Reserve Visa Infinite first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 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.