Head-to-head · 🇺🇸 United States
US Bank Altitude Reserve vs Capital One Quicksilver
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
US Bank
US Bank Altitude Reserve
VISA
Wins 2 of 10
US
Capital One
Capital One Quicksilver
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 | US Bank Altitude Reserve | Capital One Quicksilver |
|---|---|---|
| Annual fee | · $400 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 1.5% (general) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 50,000 points after $4,500 in first 3 months (worth $750 toward travel) | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
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
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
FAQ
›US Bank Altitude Reserve vs Capital One Quicksilver: which is better?
It's a true tie — pick the one whose boost categories match your spend. US Bank Altitude Reserve wins on 2 criteria, Capital One Quicksilver on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use US Bank Altitude Reserve for its best categories, Capital One Quicksilver for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
US Bank Altitude Reserve: 50,000 points after $4,500 in first 3 months (worth $750 toward travel). Capital One Quicksilver: $200 cashback after $500 in first 3 months.