Rewards Plan
Sign up Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Annual Credit
- No Foreign Transaction Fees
- High Annual Fee
- Limited Redemption Options
On U.S. Bank Secure Website
Rewards Plan
Sign up Bonus
0% Intro
PROS
- Annual Credit
- No Foreign Transaction Fees
CONS
- High Annual Fee
- Limited Redemption Options
APR
18.99% - 28.99% variable
Annual Fee
$400
Balance Transfer Fee
N/A
Credit Requirements
Good - Excellent
The U.S Bank Altitude Reserve Visa Infinite card is a premium travel. It is designed for frequent travelers who want to earn rewards on travel and enjoy a range of travel-related perks.
One of the card's main benefits is its rewards program, which offers 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. Points can be redeemed for travel, merchandise, and more.
The card also offers a range of travel-related benefits, including a $325 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.
However, the card does have some drawbacks. It has a high annual fee of $400, which may be a barrier for some cardholders. It also has limited redemption options compared to other premium cards such as The Chase Reserve Card or the Platinum Card from American Express.
- Generous Rewards Program
- Annual Credit
- No Foreign Transaction Fees
- Visa Infinite® Luxury Hotel Collection
- High Annual Fee
- Limited Redemption Options
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 |
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 Rewards Program | High Annual Fee |
Travel Benefits | Limited Redemption Options |
No Foreign Transaction Fees | |
Visa Infinite® Luxury Hotel Collection |
- Generous Rewards Program
The card offers 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.
Plus, you can earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening.
- Travel Benefits
Cardholders receive up to a $325 annual travel credit, TSA PreCheck or Global Entry credit (up to $100 in statement credits), and access to more than 1,300 VIP lounges worldwide through Priority Pass Select.
Also, you can get an and assistance while traveling with trip delays, cancellations, interruptions and more.
- 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 and the Amex membership club, U.S. bank offer fewer options to redeem your points.
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 Altitude Reserve Visa Infinite Card | 1X – 5X
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
| 50,000 points
50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
| $400 |
|---|---|---|---|---|
| 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
| 50,000 points
50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening
| $95 (waived first year) | |
| 1% – 5%
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases
| $200
$200 rewards bonus after you apply online and spend $500 in eligible purchases within the first 90 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.
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