U.S. Bank Altitude® Go Visa Signature® vs. United℠ Explorer Card
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank Altitude® Go Visa Signature®
U.S. Bank
4.4
4x on dining. 2x on groceries, streaming, gas. No annual fee.
Full review →
United℠ Explorer Card
Chase
4.2
Free 1st + 2nd checked bags. 60,000-mile bonus. 2x on United, dining, hotel.
Full review →WealthSpott Verdict
U.S. Bank Altitude® Go Visa Signature® wins on more measurable categories — particularly annual cost. United℠ Explorer Card may still win for your wallet depending on how you spend.
Feature
U.S. Bank Altitude®
United℠ Explorer Card
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
20,000 points
60,000 miles
Rewards Rate
1x-4x
1x-2x
Rewards Type
Points
Miles
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-29.24% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
U.S. Bank Altitude® Go Visa Signature®
Pros
- 4x on dining with no annual fee
- No foreign transaction fee
- 2x on groceries, streaming, and gas
- 0% intro APR for 15 billing cycles
Cons
- Points value is lower than Chase or Amex
- US Bank has fewer transfer partners
- Lower sign-up bonus than competitors
United℠ Explorer Card
Pros
- Free first and second checked bags on United
- 60,000-mile sign-up bonus
- Two United Club passes per year
- 2x on United, dining, and hotels
Cons
- $95 annual fee
- Miles tied to United/Star Alliance
- Standard 1x earning on non-bonus purchases
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