PenFed Platinum Rewards Visa Signature® Card vs U.S. Bank Altitude® Go Visa Signature® Card

PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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U.S. Bank Altitude® Go Visa Signature® CardU.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
PenFed Points
Altitude Points
Point Value
0.85¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
15,000 PenFed Points after $1,500 in 90 days
20,000 Altitude Points after $1,000 in 90 days

Effective return by category

CategoryPenFed Platinum Rewards Visa Signature® CardU.S. Bank Altitude® Go Visa Signature® Card
Gas Stations4.25%
5x
2.00%
2x
EV Charging4.25%
5x
2.00%
2x
Dining & Restaurants2.55%
3x
4.00%
4x · $2,000 cap
Food Delivery0.85%
1x
4.00%
4x · $2,000 cap
Groceries2.55%
3x
2.00%
2x
Streaming Services2.55%
3x
2.00%
2x
Everything else0.85%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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