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 Discover it Cash Back (no annual fee) and the U.S. Bank Business Altitude Power Visa Signature Card ($195/yr) comes down to where you spend most. U.S. Bank Business Altitude Power needs about $1,625 a month in dining, groceries, gas, flights, hotels, other travel or other purchases, counting that spending alone, to make up its $195 higher annual fee over Discover it Cash Back. Below that, Discover it Cash Back comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an 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 | Discover it Cash Back | U.S. Bank Business Altitude Power Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $195 |
| Sign-Up Bonus | None | 75,000 points after $10,000 spend in 120 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Rates with conditions not counted in the rows above |
None |
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 | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. | 2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel. |
U.S. Bank Business Altitude Power Visa Signature Card wins on travel, dining, groceries, gas.
The $195/year fee difference means U.S. Bank Business Altitude Power Visa Signature Card needs to earn about that much more in rewards to justify its cost.
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.