Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the American Express® Gold Card ($325/yr) and the U.S. Bank Business Altitude Power Visa Signature Card ($195/yr) comes down to where you spend most. Amex Gold Card needs about $545 a month in dining or groceries, counting that spending alone, to make up its $130 higher annual fee over U.S. Bank Business Altitude Power. Below that, U.S. Bank Business Altitude Power comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 4% (up to $50,000/yr). 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply Now2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | American Express Gold Card | U.S. Bank Business Altitude Power Visa Signature Card |
|---|---|---|
| Annual Fee | $325 | $195 |
| Sign-Up Bonus | 100,000 points after $8,000 spend in 6 months | 75,000 points after $10,000 spend in 120 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Flights Rewards | 3% | 2% |
| Dining Rewards | 4% (up to $50,000/yr) | 2% |
| Groceries Rewards | 4% (up to $25,000/yr) | 2% |
| Rates with conditions not counted in the rows above |
5% on prepaid hotels through AmexTravel.com Earns 5% only on prepaid hotels booked through AmexTravel.com or the Amex Travel App, Amex's own booking site. Hotels booked direct earn 1%. |
6% on prepaid travel Earns 6% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | 2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel. |
American Express Gold Card pulls ahead for travel, dining, groceries spending.
U.S. Bank Business Altitude Power Visa Signature Card wins on gas.
The $130/year fee difference means American Express Gold Card needs to earn about that much more in rewards to justify its cost.
American Express Gold Card carries $424/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.