Capital One Savor vs US Bank Altitude Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Altitude Reserve wins 3-2. Mobile-pay maximizers — 3x on Apple/Google/Samsung Pay transactions. Capital One Savor is still the right call if foodies on a no-fee card — restaurants, delivery, streaming, groceries.
Side-by-side
| Criterion | Capital One Savor | US Bank Altitude Reserve |
|---|---|---|
| Annual fee | No annual fee | · $400 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (dining) | 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = 50,000 points after $4,500 in first 3 months (worth $750 toward travel) |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
US Bank Altitude Reserve
- 5x on prepaid hotels and car rentals via US Bank Travel
- 3x on travel + mobile-wallet purchases
- 1.5x redemption rate when used for travel
- $325 annual travel credit
- Priority Pass Select (4 free visits/year)
- Up to $100 TSA PreCheck/Global Entry credit
FAQ
›Capital One Savor vs US Bank Altitude Reserve: which is better?
US Bank Altitude Reserve wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, US Bank Altitude Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. US Bank Altitude Reserve: 50,000 points after $4,500 in first 3 months (worth $750 toward travel).