Head-to-head · 🇺🇸 United States
American Express Platinum vs US Bank Altitude Connect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
American Express
American Express Platinum
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
US Bank
US Bank Altitude Connect
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | American Express Platinum | US Bank Altitude Connect |
|---|---|---|
| Annual fee | · $695 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 4% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 80,000 Membership Rewards points after $8,000 in 6 months | = 50,000 points after $2,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
American Express Platinum
- 5x points on flights booked direct or via amextravel
- Centurion Lounge + Priority Pass + Delta SkyClub access
- $200 annual airline fee credit + $200 Uber Cash
- $200 hotel credit + $189 CLEAR credit
- Marriott Bonvoy Gold + Hilton Honors Gold status
- No foreign transaction fees
US Bank Altitude Connect
- 4x on travel + gas + EV charging stations
- 2x at restaurants + grocery + streaming
- 1x on everything else
- $30 annual streaming credit
- No annual fee, no foreign transaction fees
- Cell phone protection
FAQ
›American Express Platinum vs US Bank Altitude Connect: which is better?
It's a true tie — pick the one whose boost categories match your spend. American Express Platinum wins on 2 criteria, US Bank Altitude Connect on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use American Express Platinum for its best categories, US Bank Altitude Connect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Platinum: 80,000 Membership Rewards points after $8,000 in 6 months. US Bank Altitude Connect: 50,000 points after $2,000 spend in 120 days.