Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Annual Credit
- No Foreign Transaction Fees
- High Annual Fee
- Limited Redemption Options
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Annual Credit
- No Foreign Transaction Fees
CONS
- High Annual Fee
- Limited Redemption Options
APR
16.24% (Variable)
Annual Fee
$400
0% Intro
N/A
Credit Requirements
Good - Excellent
The U.S. Bank Altitude Reserve Visa Infinite Card is a premium travel card that brings a host of enticing benefits to the table. Priced at a premium, it offers a 50% bonus when redeeming points for travel and a substantial $325 annual travel credit.
The card's earning potential is impressive, with 5 points per dollar on prepaid hotels and car rentals, 3 points per dollar on eligible travel purchases and mobile wallet spending, and 1 point per dollar on other eligible net purchases. 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases.
While the card boasts a high earning potential, it's important to note some considerations. The lack of points transfer options and limited airport lounge access (capped at eight visits per year) are aspects to keep in mind. Additionally, there's a minimum redemption amount for hotels and rental cars, and the annual fee is relatively high at $400.
Overall, the U.S. Bank Altitude Reserve Visa Infinite Card offers a wealth of benefits for avid travelers who can leverage its features effectively. With a focus on mobile wallet usage and strategic spending, cardholders can unlock the full potential of this premium travel companion.
What is the main reason to skip the U.S Bank Altitude Reserve Visa Infinite card?
Reasons not to get the U.S Bank Altitude Reserve Visa Infinite card may include its high annual fee, which may not be worth it for those who do not travel frequently, and its stringent eligibility requirements.
What are the requirements for approval?
U.S Bank does not disclose specific income requirements for the U.S Bank Altitude Reserve Visa Infinite card, but it is generally aimed at high-income earners with good – excellent credit score.
Can I get pre-approved on U.S Bank Altitude Reserve Visa Infinite?
Unlike other banks such as Chase, Capital One or American Express, there is no online tool available for interested consumers to check their pre-approval status with U.S. Bank.. U.S. Bank offers pre-approval, but it is limited to pre-approved offers sent through mail or email, or offered to existing customers through their online account.
What's the credit limit I'll get?
U.S Bank does not disclose the initial credit limit of the U.S Bank Altitude Reserve Visa Infinite card, which varies depending on the applicant's credit score, credit history, and income. From our analysis, you can expect for at least $5,000 if you have excellent credit score.
In this Review
Estimating Your Rewards: A Practical Simulation
In the following table, you will find a simulation that provides an overview of the expected rewards for the U.S Bank Altitude Reserve Visa Infinite card.
This breakdown is based on both general usage and spending across various categories. By utilizing this table, you can gain a better understanding of the potential benefits that come with using this particular credit card.
It's important to note that the figures presented in this simulation are estimates, and actual rewards may vary depending on individual spending habits and other factors.
| |
|---|---|
Spend Per Category | U.S Bank Altitude Reserve Visa Infinite Card |
$10,000 – U.S Supermarkets | 10,000 points |
$4,000 – Restaurants
| 4,000 points |
$5,000 – Airline | 15,000 points |
$5,000 – Hotels / Car Rental | 25,000 points |
$4,000 – Gas | 4,000 points |
Estimated Total Annual Points | 58,000 points |
Redemption Value (Estimated) | 1 point = ~1 – 1.5 cent |
Estimated Annual Value | $580 |
Pros and Cons
Just like any other credit card, the U.S Bank Altitude Reserve Visa Infinite has some advantages and disadvantages:
Pros | Cons |
|---|---|
Generous Welcome Bonus | High Annual Fee |
$325 Annual Travel Credit | Limited Redemption Options |
Four Complimentary Lounge Visits | Mobile Wallet Dependency |
TSA PreCheck or Global Entry Reimbursement | No Points Transfer Options |
Points Bonus for Travel Redemptions | Limited Lounge Access |
No Foreign Transaction Fees | |
Visa Infinite® Luxury Hotel Collection |
- Generous Welcome Bonus
A decent welcome bonus of 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening, providing a strong incentive for new cardholders.
- $325 Annual Travel Credit
With up to $325 in annual travel credits, the card helps offset the annual fee and offers flexibility by applying the credit to various travel-related expenses, including takeout, food delivery, and dining purchases.
- Four Complimentary Lounge Visits
Cardholders enjoy four free lounge visits per year for both the primary cardholder and a guest, enhancing the travel experience with access to airport lounges.
- TSA PreCheck or Global Entry Reimbursement
Cardholders receive up to $100 in statement credits every four years to cover the application fees for TSA PreCheck or Global Entry, enhancing the travel experience
- Points Bonus for Travel Redemptions
Enjoy a 50% points bonus when redeeming for travel, enhancing the value of accrued points when used for travel-related expenses.
- No Foreign Transaction Fees
There is no fee for overseas purchases, which is great for frequent travelers.
- Visa Infinite® Luxury Hotel Collection
Cardholders can take advantage of a premium set of benefits at a hand-picked selection of the world's most fascinating and prestigious properties.
- High Annual Fee
While considered one of the best premium travel cards, the card comes with a $400 annual fee, which is on the high side for a credit card.
It may not be worth it for those who don't spend enough to earn back the rewards and travel credits.
- Limited Redemption Options
Compared to the variety of options of other programs such as Chase Ultimate Rewards or the Amex membership club, U.S. banks offer fewer options to redeem your points.
- Mobile Wallet Dependency
To fully capitalize on the card's benefits, users need to adopt mobile wallet usage, which may not be suitable for everyone's payment habits.
- No Points Transfer Options
The absence of points transfer options to other loyalty programs limits flexibility in maximizing the value of accumulated points.
- Limited Lounge Access
While providing Priority Pass Select membership, the card's lounge access is restricted to four free visits per year, with subsequent visits incurring an additional fee.
How To Redeem My Points?
The U.S Bank Altitude Reserve Visa Infinite card's rewards program allows cardholders to earn points on their purchases, which can be redeemed for a variety of rewards. Here's how you can redeem your points and a look at the options available:
Travel: You can use your points to book flights, hotels, car rentals, and other travel-related expenses through the U.S Bank travel portal.
Merchandise: You can use your points to purchase merchandise, such as electronics, home goods, and gift cards, through the U.S Bank Altitude Rewards Center. You can use your Altitude points to redeem gift cards at a flat rate of 1 cent per point
Cash back: You can redeem your points for cash back as a statement credit.
Charity: You can donate your points to a variety of charitable organizations through the U.S Bank Rewards Center.
The value of points for merchandise and statement credits is lower, but still in line with other rewards credit cards. However, it's important to note that the redemption options are somewhat limited compared to what Chase or Amex offers, which may be a drawback for some cardholders.
Card | Rewards | Sign-up Bonus | Annual Fee |
| U.S. Bank Shopper Cash Rewards® Visa Signature® Card | 1.5% – 6%
6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center.
| $250
$250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
| $95 ($0 on first year) |
|---|---|---|---|---|
| 1X – 5X
5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases
| 60,000 points
60,000 points after spending $6,000 in eligible purchases on the account owner's card within the first 180 days from account opening
| $95 (waived first year) | |
| 1% – 5%
5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases
| $200
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
| $0 | |
| 1X – 4X
4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases
| 20,000 points
20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
| $0 | |
| None | None | $0
|
When You May Want To Consider It?
The U.S Bank Altitude Reserve Visa Infinite card is an excellent choice for frequent travelers who want to earn rewards on travel. Here are some specific situations when you may want to consider this card:
You are a frequent traveler: If you travel frequently for work or pleasure, the U.S Bank Altitude Reserve Visa Infinite card can provide you with a range of travel-related benefits, such as airport lounge access and travel credits.
You're a loyal U.S. Bank Customer with a fair-good score: while a fair-good score may be not good enough to get one of the top premium travel cards such as the Capital one VentureX or the Chase Sapphire Prefered card, it may be ok if you have a former relationship with U.S. Bank.
You want to earn rewards and enjoy travel-related perks: The card offers a range of travel-related benefits, including a decent rewards program , an annual travel credit, a Global Entry or TSA PreCheck statement credit, and access to a range of airport lounges through the Priority Pass Select program.
You are willing to pay a high annual fee: The card has a high annual fee of $550, which may be a barrier for some cardholders. However, if you are willing to pay this fee, you can enjoy a range of valuable benefits and rewards.
How To Apply For The Altitude Reserve Infinite Card?
You can apply for the U.S Bank Altitude Reserve Visa Infinite card online by following these steps:
- Go to the U.S Bank Altitude Reserve Visa Infinite card page on the U.S Bank website.
- Click the “Apply Now” button to start the application process.
- Enter your personal information, including your name, address, and social security number.
- Provide information about your income and employment.
- Review the terms and conditions of the card and agree to them.
- Submit your application.
Once you have submitted your application, U.S Bank will review your credit history and financial information to determine if you are eligible for the card. If you are approved, you will receive your new card in the mail within a few business days.
FAQs
How does U.S. Bank's ExtendPay® work?
U.S. Bank's ExtendPay® enables you to divide eligible credit card purchases into affordable monthly payments with no interest, only a fixed monthly fee.
Do cardholders eligible to U.S. Bank's Earn Mall ?
You can use your Altitude Reserve Card at the Rewards Center Earn Mall, which is an easy way to earn additional points when shopping online at over 1,100 stores using your credit card.
How does the U.S. Bank Real-Time Rewards work and do cardholders eligible?
Cardholders who register their Altitude Reserve Card can use the Real-Time Rewards program. This program allows them to redeem points in real-time from their mobile device to pay for their purchases nearly anywhere.
Why my application has been rejected?
Applications may be denied due to factors such as low credit scores or high debt-to-income ratios.
Compare U.S. Bank Altitude Reserve Visa Infinite
While the U.S. Bank Altitude Reserve offers better travel perks than the Altitude Connect, we don't think it is worth the higher annual fee.
The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.
U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?
Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.
U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?
While having the similar annual fees, the Capital One Venture X offers more cashback for the same spend and better travel perks.
U.S. Bank Altitude Reserve Visa Infinite vs. Capital One Venture X: How They Compare?
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