SKYPASS Select Visa Signature® vs SKYPASS Visa Signature®
Annual fees: SKYPASS Select Visa Signature® $450/yr, SKYPASS Visa Signature® $99/yr. Strongest bonus categories: SKYPASS Select Visa Signature® on flights, SKYPASS Visa Signature® on dining.
Card data as of October 12, 2026.
- SKYPASS Select Visa Signature®
U.S. Bank · $450/yr
- SKYPASS Visa Signature®
U.S. Bank · $99/yr
Overview
- Annual fee
- SKYPASS Select Visa Signature®$450SKYPASS Visa Signature®$99Lowest
- Welcome offerCurrent public offer
- SKYPASS Select Visa Signature®60,000 pointsSKYPASS Visa Signature®40,000 points
- Rewards
- SKYPASS Select Visa Signature®Korean Air SKYPASSSKYPASS Visa Signature®Korean Air SKYPASS
- Foreign transaction fee
- SKYPASS Select Visa Signature®NoneSKYPASS Visa Signature®None
- Network
- SKYPASS Select Visa Signature®Visa SignatureSKYPASS Visa Signature®Visa Signature
Earn ratesPer $1 spent
- Car Rentals
- SKYPASS Select Visa Signature®2xHighestSKYPASS Visa Signature®1x
- Dining
- SKYPASS Select Visa Signature®2xSKYPASS Visa Signature®2x
- Flights
- SKYPASS Select Visa Signature®2xHighestSKYPASS Visa Signature®1x
- Hotels
- SKYPASS Select Visa Signature®2xSKYPASS Visa Signature®2x
- Everything else
- SKYPASS Select Visa Signature®1xSKYPASS Visa Signature®1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- SKYPASS Select Visa Signature®
- $200 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
SKYPASS Visa Signature®— - Other credits
- SKYPASS Select Visa Signature®
- $25 checkout discount
SKYPASS Visa Signature®—
Perks & access— means none on record
- Lounges
- SKYPASS Select Visa Signature®
- 2 Korean Air Lounge vouchers each year
- Priority Pass Select™
SKYPASS Visa Signature®- 2 Korean Air Lounge vouchers/year
- Other perks
- SKYPASS Select Visa Signature®
- Take off for less
SKYPASS Visa Signature®- 5% off Korean Air tickets
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- SKYPASS Select Visa Signature®
- Trip Cancellation/Trip Interruption Reimbursement
- Trip Delay Reimbursement
SKYPASS Visa Signature®— - Rental car
- SKYPASS Select Visa Signature®
- Auto Rental Collision Damage Waiver
SKYPASS Visa Signature®- Auto Rental Collision Damage Waiver
Category-by-Category Winner
The SKYPASS Select Visa Signature® wins in 2 of 2 categories. The SKYPASS Visa Signature® leads in 0.
Flights
SKYPASS Select Visa Signature® earns 2X vs 1X
Car Rentals
SKYPASS Select Visa Signature® earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | SKYPASS Select Visa Signature® | SKYPASS Visa Signature® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $166 Credits (our usable estimate): $130 − Annual fee ($450) Ongoing: -$154 Year one: $566 | Rewards: $166 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $67 Year one: $547 | SKYPASS Visa Signature® | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $662 Credits (our usable estimate): $130 − Annual fee ($450) Ongoing: $342 Year one: $1,062 | Rewards: $662 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $563 Year one: $1,043 | SKYPASS Visa Signature® | Close — depends on how much of the credits you use |
Is the Fee Difference Worth It?
The SKYPASS Select Visa Signature® costs $450/yr — that's $351 more than the SKYPASS Visa Signature® ($99/yr). To justify that gap, you need to extract at least $351 in annual value from the card's higher earn rates and benefits.
The SKYPASS Select Visa Signature® includes lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $351 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $351 fee gap means the SKYPASS Select Visa Signature® needs roughly $351 more in annual rewards (or credits you will use) to break even on flights and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing SKYPASS Visa Signature® means losing:
- -Global Entry credit
The Bottom Line
Close — depends on how much of the credits you use
Published annual fees: SKYPASS Select Visa Signature® $450/yr, SKYPASS Visa Signature® $99/yr — a $351 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SKYPASS Select Visa Signature® worth the higher annual fee?
- The SKYPASS Select Visa Signature® costs $450/yr vs $99/yr for the SKYPASS Visa Signature®. Compare the year-one vs ongoing value table on this page — the $351 gap must be offset by higher earn rates, welcome offers, or credits you will use (the SKYPASS Select Visa Signature® also lists lounge access).
- Which card earns more rewards, the SKYPASS Select Visa Signature® or SKYPASS Visa Signature®?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the SKYPASS Select Visa Signature® have that the SKYPASS Visa Signature® doesn't?
- The SKYPASS Select Visa Signature® offers lounge access. The SKYPASS Visa Signature® offers lounge access.
- Should I get the SKYPASS Select Visa Signature® or the SKYPASS Visa Signature®?
- Use the spend scenarios on this page: the SKYPASS Visa Signature® has a lower $99/yr fee; the SKYPASS Select Visa Signature® must earn enough extra (or offer a larger welcome bonus) to justify $450/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.