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Side-by-side

United Club Business Card vs U.S. Bank Business Altitude Power Visa Signature Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the U.S. Bank Business Altitude Power Visa Signature Card from U.S. Bank at $195/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the U.S. Bank Business Altitude Power Visa Signature Card's. Get the United Club Business Card first; revisit the U.S. Bank Business Altitude Power Visa Signature Card after you've earned that bonus.

FeatureUnited Club Business CardU.S. Bank Business Altitude Power Visa Signature Card
Annual fee$695$195
Sign-up bonus100,000 miles + 2,000 PQP75,000 Altitude points
Bonus value (est.)$1,500$750
Min spend to unlock bonus$5,000 in 3 mo$10,000 in 4 mo
IssuerChaseU.S. Bank
Card categorybusiness
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
    Read the full review
    United Club Business Card
    $695/yr · 100,000 miles + 2,000 PQP
    Read the full review
    U.S. Bank Business Altitude Power Visa Signature Card
    $195/yr · 75,000 Altitude 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 Business Altitude Power Visa Signature Card

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or U.S. Bank Business Altitude Power Visa Signature Card?
    The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 75,000 Altitude points (~$750) on the U.S. Bank Business Altitude Power Visa Signature Card.
    Is the United Club Business Card's $695 annual fee worth it compared to the U.S. Bank Business Altitude Power Visa Signature Card?
    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 Business Altitude Power Visa Signature Card at $195/yr trades some perks for a lower commitment.
    Can I have both the United Club Business Card and U.S. Bank Business Altitude Power Visa Signature Card?
    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 Business Altitude Power Visa Signature Card 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 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.

    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.