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Hilton Honors Amex 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: Hilton Honors Amex leads by 7.7 pts. Scores: Hilton Honors Amex 71.0%, 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 …): Hilton Honors Amex nets $460/yr, U.S. Bank Altitude Go nets $420/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeAmex: 10.0 · Go: 10.0
• Rewards rateAmex: 10 · Go: 5.5
• Sign-up bonusAmex: n/a · Go: 2.7
• Intro 0% APRAmex: 0.0 · Go: 7.1
• Regular APRAmex: 7.0 · Go: 8.0
• Foreign transaction feeAmex: 10.0 · Go: 3.0
• Regulatory record (CFPB)Amex: 10.0 · Go: 8.0

Downsides

• Hilton Honors Amex71.0%
  American Express · no annual fee
  Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

• 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, Hilton Honors Amex or U.S. Bank Altitude Go?

On VaultRubric's rubric: Hilton Honors Amex 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.