Miles · Visa · $99 annual fee
Last verified 2026-09-09. Review issuer source
U.S. Bank SKYPASS Visa Signature is a $99-a-year miles card from U.S. Bank. Its best everyday rates are 2x on dining, and 2x on hotels; everything else earns 1x. There is also 2x on Korean Air, a single-merchant rate. Rewards are Korean Air SKYPASS miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $104, which clears the $99 fee with $5 to spare before any credits or perks. The welcome bonus, 40,000 miles after $4,000 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Korean Air SKYPASS often enough to use the lounge access. A general travel card earns points that go more places.
2X miles on dining, including takeout and restaurant delivery
2X miles on hotels
Earn 2X miles on Korean Air ticket purchases
Earn 40,000 Bonus Miles when you spend $4,000 in eligible purchases within the first 90 days.
Get insurance coverage for car rentals made with your Visa card.
Enjoy 2 KAL Lounge coupons each year.
Available for you and a companion each year. For example, spend $5,000 and save $250.
Get 5% off Korean Air tickets each year. Available for you and a companion. For example, spend $5,000 and save $250.
Reimbursement for non-refundable costs when your plans change.
Reimbursement for expenses incurred when your trip is delayed 12+ hours due to a covered hazard.
These come from Visa, not from U.S. Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| SKYPASS Visa Signature®This card · 2x on dining | $99 | $104 | +$5 | 1060th of 1,291 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank's most-held other card · 5% on department stores | None | $642 | +$642 | 7th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
