U.S. Bank Altitude Reserve Visa Infinite Card Review [2021]: Do the Premium Benefits Outweigh the Cost?

The U.S. Bank Altitude Reserve Visa Infinite Card provides valuable rewards and benefits for travel-focused consumers. But does it offer enough value to offset its annual fee?
Last updated Jul 9, 2021 | By Ben Walker

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The best rewards credit cards typically fall into two categories: cashback cards and travel cards. The U.S. Bank Altitude Reserve Visa Infinite Card is a premium travel card, so it offers excellent earning potential and top-notch travel benefits.

In this U.S. Bank Altitude Reserve Visa Infinite Card review, we’ll cover who this card is best for, what its benefits and drawbacks are, and how you can use it to earn and redeem points. This will help you decide whether the U.S. Bank Altitude Reserve Visa Infinite Card matches well with your lifestyle and spending habits.

Designed for Frequent Travelers

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card

Intro Offer

50,000 points

Annual Fee

$400

Rewards Rate

up to 5X points

Benefits and Drawbacks

Benefits

  • 50,000 point sign-up bonus
  • Up to 5X points per dollar spent
  • Lounge access, TSA PreCheck statement credit, and other travel benefits
  • No foreign transaction fees

Drawbacks

  • Has annual fee
  • Must already be a U.S. Bank customer
Card Details
  • Earn a 50,000 point bonus after spending $4,500 in the first 90 days
  • 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases

In this U.S. Bank Altitude Reserve Visa Infinite Card review:

Who should get the U.S. Bank Altitude Reserve Visa Infinite Card?

The U.S. Bank Altitude Reserve Visa Infinite Card is designed for frequent travelers. The majority of its benefits are travel-focused and its earning potential increases if you have regular travel expenses. If you don’t travel often enough to take advantage of this card’s benefits and earn rewards, you may not be able to offset the $400 annual fee. However, the $325 annual credit benefit can go a long way toward making this card worth it.

When you compare credit cards, be sure to account for their annual costs, rewards rates, and benefits. This can help you determine whether a card would be the right fit for you. It wouldn’t make sense to apply for the U.S. Bank Altitude Reserve Visa Infinite Card if you don’t travel frequently, but if you’re planning to travel a lot, a premium travel card can really enhance your travel experiences.

Card basics

Card type Travel
Credit card issuer U.S. Bank
Credit card network Visa
Annual fee $400
Intro bonus Earn a 50,000 point bonus after spending $4,500 in the first 90 days of account opening
Reward rate 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases
Recommended credit score Excellent
Foreign transaction fee None

U.S. Bank Altitude Reserve Visa Infinite Card benefits and perks

  • Generous welcome offer: Earn a 50,000 point bonus after spending $4,500 in the first 90 days.
  • Earning potential: Earn 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases.
  • Annual credit: Receive up to $325 in annual credits for eligible travel purchases, which may include purchases with cruise lines, passenger trains, flights, hotels, and limousines.
  • Increased travel redemption rate: Your points are worth 50% more if you redeem them for travel through the U.S. Bank travel portal. So 30,000 points would be worth $450 toward airfare, hotel stays, or car rentals.
  • Free Priority Pass: Receive airport lounge access with a free 12-month Priority Pass Select membership. Priority Pass Select members can access more than 1,300 airport lounges in airports around the world.
  • TSA PreCheck or Global Entry: Receive complimentary TSA PreCheck or Global Entry fee reimbursement when you use your card to pay the application fee for either membership. Global Entry membership includes TSA PreCheck.
  • Complimentary Wi-Fi: Cardholders receive 12 complimentary Gogo Inflight Wi-Fi passes each year. Each pass is good for in-flight internet access for one compatible device on any one flight segment where Gogo Wi-Fi is available.
  • Travel benefits and coverages: Receive complimentary travel benefits and coverages, such as car rental collision damage waiver, roadside dispatch, emergency evacuation and transportation coverage, lost luggage reimbursement, trip cancellation/trip interruption insurance, travel accident insurance, travel and emergency assistance services, and trip delay reimbursement.
  • Transportation discount: Cardmembers get special discounts with luxury car rental company SilverCar and Groundlink Black Car service.
  • Shopping coverage: Receive purchase protection, return protection, and extended warranty benefits when using your card for eligible purchases.

Drawbacks to the U.S. Bank Altitude Reserve Visa Infinite Card

  • U.S. Bank restriction: You must be an existing U.S. Bank customer to qualify for the U.S. Bank Altitude Reserve Visa Infinite Card. This includes having a U.S. Bank checking or savings account, certificate of deposit, mortgage, credit card, or other types of financial services offered by U.S. Bank. The existing U.S. Bank account must have been opened and active for at least five business days before applying for the U.S. Bank Altitude Reserve Visa Infinite Card.
  • High annual cost: A $400 annual fee is a hefty sum to pay each year for any type of credit card. However, this card’s earning potential and benefits can offer more than enough value to warrant the high cost.
  • Travel redemption flexibility: U.S. Bank doesn’t offer an option to transfer your travel rewards to other loyalty programs, including programs from major airlines and hotels. This is a common benefit found on many travel rewards cards, but it’s not possible with the U.S. Bank Altitude Reserve Visa Infinite Card.

Earning and redeeming U.S. Bank rewards points

Potential earnings in years one and two

Here's a look at how your points can add up with the U.S. Bank Altitude Reserve Visa Infinite Card. To calculate these values, we used a point valuation of 1 cent.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $860

Year two earnings: $360

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which looks at points earned via spending, the welcome bonus, and the annual fee. We also included this card’s $325 annual credit in our calculations.

Note that the amounts above reflect rewards earned from general travel spending, not specific rewards earned on eligible travel booked through the Altitude Rewards Center. These values also don’t account for this card’s bonus earnings on mobile wallet spending or the Global Entry/TSA PreCheck fee credit. If you factor those in, the value you’ll get from this card will likely increase.

Best ways to earn

The best way to earn rewards with the U.S. Bank Altitude Reserve Visa Infinite Card is by using it for purchases in its bonus categories. prepaid hotel and car rentals booked in the Altitude Rewards Center earn 5X points while eligible travel and mobile wallet purchases earn 3X points, so travel purchases can earn you loads of points.

However, don’t ignore the fact that mobile wallet purchases will get you increased rewards as well. This bonus category is interesting because it opens up the possible number of purchases that can earn you extra points. U.S. Bank categorizes mobile wallet purchases as any purchase made with ApplePay, Samsung Pay, Google Pay, and LG Pay. So you can use one of these mobile wallet services to make purchases that wouldn’t normally net you more points, but you’d get the bonus rewards.

For example, grocery stores aren’t part of this card’s bonus categories, but if you use an eligible mobile wallet service at a grocery store, you’d get bonus points for those purchases.

Categories Rewards rate
Prepaid hotel and car rentals booked in the Altitude Rewards Center 5X
Eligible travel and mobile wallet purchases 3X
All other purchases 1X

Maximizing your redemptions

The U.S. Bank Altitude Reserve Visa Infinite Card offers multiple ways to redeem your points, including travel, statement credits, online shopping, gift cards, event tickets, and more. Your points are worth 1.5 cents per point when redeemed for travel through the U.S. Bank travel portal, whereas other redemption options offer only 1 cent per point. Because travel redemptions offer the highest value, they’re typically the best way to maximize redemptions with your points on this card.

U.S. Bank Altitude Reserve Visa Infinite Card FAQs

Is the U.S. Bank Altitude Reserve Visa Infinite Card a good card?

The U.S. Bank Altitude Reserve Visa Infinite Card is an excellent choice for frequent travelers who have an existing relationship with U.S. Bank. This card offers premium travel benefits like Priority Pass membership, TSA PreCheck or Global Entry fee credit, in-flight Wi-Fi credits, and more. In addition, you also receive up to $325 in annual credits for eligible travel purchases.

What credit score do you need for the U.S. Bank Altitude Reserve Visa Infinite Card?

You likely need an excellent credit score to qualify for the U.S. Bank Altitude Reserve Visa Infinite Card. Excellent credit scores are the highest credit scores possible and typically start around 800.

Is the U.S. Bank Altitude Reserve Visa Infinite Card metal?

Yes, the U.S. Bank Altitude Reserve Visa Infinite Card is made out of metal. Successful applicants receive their custom-engraved metal card soon after qualifying.

How do you redeem your U.S. Bank Altitude points?

All U.S. Bank Altitude points can be redeemed from your U.S. Bank online account or through the U.S. Bank mobile app. From your online account, select the “My Rewards” option and then choose “Redeem Rewards.” From the mobile app, select the applicable credit card and then choose “Redeem or View My Rewards.”

How many U.S. Bank credit cards can you have?

There is no official limit on how many U.S. Bank credit cards you can have. However, it’s typically harder to qualify for U.S. Bank credit cards compared to cards from many other issuers. If you apply for multiple U.S. Bank cards, it may be increasingly difficult to qualify for additional cards. In addition, the U.S. Bank Altitude Reserve Visa Infinite Card requires you to have an existing U.S. Bank relationship before you can apply for it.

Other cards to consider

The U.S. Bank Altitude Reserve Visa Infinite Card has plenty to offer if you like to travel and frequently spend money on travel-related purchases. Still, it may not exactly line up with what you’d expect from a luxury travel card. For some of the best travel credit cards, consider the Chase Sapphire Reserve and The Platinum Card from American Express.

The Chase Sapphire Reserve is one of the best premium travel cards available because of its flexible redemption options. Your Chase Ultimate Rewards points can be transferred to multiple Chase travel partners, including many major airline and hotel loyalty programs. You also get travel benefits like travel insurance, a $300 annual travel credit, Priority Pass membership, and your points are worth 50% more when redeemed for travel.

The Platinum Card from American Express also offers plenty of value with its perks and benefits. This credit card offers up to $200 in Uber credits and up to $100 in Saks Fifth Avenue credits each year, plus you get TSA PreCheck or Global Entry fee reimbursement, Priority Pass and Amex Centurion Lounge access, and automatic elite status with both the Marriott Bonvoy and Hilton Honors loyalty programs. In addition, your Amex Membership Rewards points can be transferred to more than a dozen Amex transfer partners, such as Delta Air Lines SkyMiles and Radisson Rewards.

Designed for Frequent Travelers

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card

Special Offer

Earn a 50,000 point bonus after spending $4,500 in the first 90 days

See how these cards compare:

Chase Sapphire Reserve
Chase Sapphire Reserve
  • 50,000 point sign-up bonus
  • 10X points on hotels and cars booked through Ultimate Rewards
  • $60 annual DoorDash credit in 2021
  • Priority Pass airport lounge access
The Platinum Card® from American Express
The Platinum Card® from American Express
  • Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months
  • 10X points at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases, during your first 6 months)
  • 5X points on eligible flights and hotels
  • $200 hotel credit, $240 digital entertainment credit, $200 in Uber Cash, $300 Equinox credit, $200 airline fee credit
  • Access to Centurion and Priority Pass airport lounges
  • Select benefits require enrollment.
  • $695 annual fee. Terms apply.
  • See rates and fees

Author Details

Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN, Debt.com, and Finder.com.