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PenFed Power Cash Rewards Visa Signature Card vs U.S. Bank Business Altitude Power Visa Signature Card
Both are well-respected travel cards. The PenFed Power Cash Rewards Visa Signature Card comes from PenFed at $0/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 U.S. Bank Business Altitude Power Visa Signature Card is the stronger pick today, the sign-up bonus is meaningfully larger ($650 more in estimated value) than the PenFed Power Cash Rewards Visa Signature Card's. Get the U.S. Bank Business Altitude Power Visa Signature Card first; revisit the PenFed Power Cash Rewards Visa Signature Card after you've earned that bonus.
| Feature | PenFed Power Cash Rewards Visa Signature Card | U.S. Bank Business Altitude Power Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $195 |
| Sign-up bonus | $100 statement credit | 75,000 Altitude points |
| Bonus value (est.) | $100 | $750 |
| Min spend to unlock bonus | $1,500 in 3 mo | $10,000 in 4 mo |
| Issuer | PenFed | U.S. Bank |
| Card category | cashback | |
| Best earning category (All_purchases_honors_advantage) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Power Cash Rewards Visa Signature Card
$0/yr · $100 statement credit
Read the full review
U.S. Bank Business Altitude Power Visa Signature Card
$195/yr · 75,000 Altitude points
Editorial take: U.S. Bank Business Altitude Power Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, PenFed Power Cash Rewards Visa Signature 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 $100 statement credit (~$100) on the PenFed Power Cash Rewards Visa Signature Card.
- Is the PenFed Power Cash Rewards Visa Signature Card's $0 annual fee worth it compared to the U.S. Bank Business Altitude Power Visa Signature Card?
- The PenFed Power Cash Rewards Visa Signature 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 PenFed Power Cash Rewards Visa Signature Card.
- Can I have both the PenFed Power Cash Rewards Visa Signature Card and U.S. Bank Business Altitude Power Visa Signature Card?
- Yes, since they're from different issuers (PenFed 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 PenFed Power Cash Rewards Visa Signature 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. PenFed Power Cash Rewards Visa Signature Card: $1,500 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.