Chase Ink Business Preferred vs US Bank Altitude Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Preferred wins 3-2. US-incorporated startups — best welcome bonus in the business-card space. US Bank Altitude Reserve is still the right call if mobile-pay maximizers — 3x on apple/google/samsung pay transactions..
Side-by-side
| Criterion | Chase Ink Business Preferred | US Bank Altitude Reserve |
|---|---|---|
| Annual fee | $95 | · $400 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) | = 50,000 points after $4,500 in first 3 months (worth $750 toward travel) |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.7/5 | · 4.6/5 |
Benefits compared
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
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
›Chase Ink Business Preferred vs US Bank Altitude Reserve: which is better?
Chase Ink Business Preferred 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 Chase Ink Business Preferred 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?
Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel). US Bank Altitude Reserve: 50,000 points after $4,500 in first 3 months (worth $750 toward travel).