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Credit One Platinum Visa vs U.S. Bank Altitude Go

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: U.S. Bank Altitude Go leads by None pts. Scores: Credit One Platinum Visa 31.9%, U.S. Bank Altitude Go 63.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Credit One Platinum Visa nets $57/yr, U.S. Bank Altitude Go nets $420/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeVisa: 8.0 · Go: 10.0
• Rewards rateVisa: 0.5 · Go: 5.5
• Sign-up bonusVisa: n/a · Go: 2.7
• Intro 0% APRVisa: 0.0 · Go: 7.1
• Regular APRVisa: 3.1 · Go: 8.0
• Foreign transaction feeVisa: n/a · Go: 3.0
• Regulatory record (CFPB)Visa: n/a · Go: 8.0

Downsides

• Credit One Platinum Visa31.9%
  Credit One · no annual fee · limited data
  Annual fee $39 (CFPB TCCP; issuer page did not render a clear fee)APR 28.74%–30.49% variableRewards 0% base; 1% gas; 1% groceries; 1% utilitiesCredit ≤619, 620–719 (CFPB TCCP targeted tiers)

  ⚠ $39 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 30.49% if you carry a balance · Late fee up to $39

• U.S. Bank Altitude Go63.3%
  U.S. Bank · no annual fee
  Annual fee $0APR 17.74%–27.74% variableRewards 1% base; 4% dining; 2% groceries; 2% gas; 2% streamingCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 27.74% if you carry a balance · Late fee up to $41

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Credit One Platinum Visa or U.S. Bank Altitude Go?

On VaultRubric's rubric: U.S. Bank Altitude Go scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.