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All comparisons
Head-to-head, 2026

American Express Platinum U.S. Bank Business Altitude Connect Visa Signature Card

American Express Platinum

$895/yr

Platinum
Business Altitude Connect Visa Signature Card

U.S. Bank Business Altitude Connect Visa Signature Card

$95/yr

Every $1 · two cards

American Express Platinum earns more in 6 of 9 categories · U.S. Bank Business Altitude Connect Visa Signature Card in 1

  • Dining
    1×2¢ per $1
    2×2¢ per $1
  • Groceries
    1×2¢ per $1
    1×1¢ per $1
  • Gas
    1×2¢ per $1
    4×4¢ per $1

    up to $150,000/yr

  • Flights
    5×10¢ per $1

    up to $500,000/yr

    4×4¢ per $1

    up to $150,000/yr

  • Hotels
    5×10¢ per $1

    via American Express Travel

    5×5¢ per $1

    via Travel Center

  • Everything else
    1×2¢ per $1
    1×1¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: U.S. Bank Business Altitude Connect Visa Signature Card

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
  • 5×Prepaid hotels · Membership Rewards
  • 5×Prepaid short-term rentals with Airbnb · Membership Rewards
  • 2×Eligible travel purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $300 Equinox Credit · $300
  • $600 Lodging Credit · $300
  • $250 Airbnb Experiences Credit · $250
Full American Express Platinum review

U.S. Bank

Business Altitude Connect Visa Signature Card

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$6,000 / 6mo

Top earning rates

  • 5×Prepaid car and hotel reservations · U.S. Bank Altitude Connect points
  • 4×Travel, including airfare, hotels, gas and EV charging stations · U.S. Bank Altitude Connect points
  • 2×Dining, takeout, restaurant delivery and cell phone services · U.S. Bank Altitude Connect points
  • 1×Eligible Net Purchases · U.S. Bank Altitude Connect points

Key benefits

  • $25 taxi and rideshare statement credit · $25
  • Auto Rental Collision Damage Waiver · $0
  • Priority Pass membership and four complimentary visits · $0
  • Lost Luggage Reimbursement · $0
  • Travel assistance services · $0
Full U.S. Bank Business Altitude Connect Visa Signature Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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