U.S. Bank Altitude™ Reserve Visa Infinite® review

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Advertiser Disclosure

Interest Rate: Purchases
17.74%
Balance Transfer
17.74%
Rewards
1 - 3 points
Signup Bonus
50000 points (after spending $4,500)


8/10
Informr score
The U.S. Bank Altitude™ Reserve Visa Infinite® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Altitude™ Reserve Visa Infinite® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

Packed with lucrative benefits, the new U.S. Bank Altitude Reserve card offers more than enough value to make up for the card’s $400 annual fee – especially if you don’t mind using your phone to make many of your purchases.

- Kelly Dilworth, CreditCards.com
Finder

The U.S. Bank Altitude Reserve Visa Infinite® Card is great for tech-savvy travelers who can take advantage of the unique rewards requirement. The card practically paying for itself thanks to its yearly statement credits

- Steven Dashiell, Finder
AskSebby

The U.S. Bank Altitude Reserve is a good alternative premium travel card if you travel 2-3 times per year, and you can take advantage of mobile payments. Be aware that you must have an existing relationship with U.S. Bank to qualify for the U.S. Bank Altitude Reserve card. 

- AskSebby
Money Crashers

Altitude is an amazing card for frequent travelers who can afford it and take full advantage of its benefits. For everyone else, it doesn’t make much sense.

- Brian Martucci, Money Crashers
RewardExpert

The Altitude Reserve makes the most sense for someone who doesn’t already have premium travel rewards card, like the Chase Sapphire Reserve or Amex Platinum, particularly if they want additional travel benefits at a slightly lower price tag. The Altitude Reserve also makes sense for someone who make...

- Caroline Lupini, RewardExpert

Details


Interest Rates
Regular APR Interest Rate 17.74%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.74%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $400.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 50000 points after spending $4,500

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 3 points per $1 spent

On eligible net travel purchases and mobile wallet spending

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes

$75 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

- Up to $100 statement credit to reimburse your TSA Pre✓ or Global Entry application fee once every four years 

- Complimentary 12-month Priority Pass Select membership to more than 1,000 VIP lounges worldwide.

- Enjoy special privileges at more than 500 luxury Relais & Châteaux properties around the world.

- Get reimbursed up to $325 Annual Statement Credits for eligible net travel purchases.

- Get 12 complimentary Gogo Inflight Wi-Fi passes per year

- 15% off on GroundLink Black Car Service

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Super premium card

from CreditCards.com

Packed with lucrative benefits, the new U.S. Bank Altitude Reserve card offers more than enough value to make up for the card’s $400 annual fee – especially if you don’t mind using your phone to make many of your purchases.

Read full review

Packed with lucrative benefits, the new U.S. Bank Altitude Reserve card offers more than enough value to make up for the card’s $400 annual fee – especially if you don’t mind using your phone to make many of your purchases.

Read full review

Less

Finder

A premium travel card designed for tech-savvy people

from Finder

The U.S. Bank Altitude Reserve Visa Infinite® Card is great for tech-savvy travelers who can take advantage of the unique rewards requirement. The card practically paying for itself thanks to its yearly statement credits

Read full review

The U.S. Bank Altitude Reserve Visa Infinite® Card is great for tech-savvy travelers who can take advantage of the unique rewards requirement. The card practically paying for itself thanks to its yearly statement credits

Read full review

Less

AskSebby

A good option if you don't spend much on dining out or if you want a lower annual fee

The U.S. Bank Altitude Reserve is a good alternative premium travel card if you travel 2-3 times per year, and you can take advantage of mobile payments. Be aware that you must have an existing relationship with U.S. Bank to qualify for the U.S. Bank Altitude Reserve card. 

Read full review

The U.S. Bank Altitude Reserve is a good alternative premium travel card if you travel 2-3 times per year, and you can take advantage of mobile payments. Be aware that you must have an existing relationship with U.S. Bank to qualify for the U.S. Bank Altitude Reserve card. 

Read full review

Less

Money Crashers

Designed for frequent travelers with ample budgets

from Money Crashers

Altitude is an amazing card for frequent travelers who can afford it and take full advantage of its benefits. For everyone else, it doesn’t make much sense.

Read full review

Altitude is an amazing card for frequent travelers who can afford it and take full advantage of its benefits. For everyone else, it doesn’t make much sense.

Read full review

Less

RewardExpert

New entry in the premium travel credit card market

from RewardExpert

The Altitude Reserve makes the most sense for someone who doesn’t already have premium travel rewards card, like the Chase Sapphire Reserve or Amex Platinum, particularly if they want additional travel benefits at a slightly lower price tag. The Altitude Reserve also makes sense for someone who...More

The Altitude Reserve makes the most sense for someone who doesn’t already have premium travel rewards card, like the Chase Sapphire Reserve or Amex Platinum, particularly if they want additional travel benefits at a slightly lower price tag. The Altitude Reserve also makes sense for someone who makes a lot of purchases through a mobile wallet.

Read full review

Less

ValuePenguin

Provides strong rewards on mobile wallet and travel purchases

from ValuePenguin

The U.S. Bank Altitude Reserve isn’t quite as good as other premium credit cards, though it’s also less expensive. The choice with these cards frequently comes down personal preferences when exploring the collective benefits this card provides and weighing those against the fee you'd have to put up with.

Read full review

The U.S. Bank Altitude Reserve isn’t quite as good as other premium credit cards, though it’s also less expensive. The choice with these cards frequently comes down personal preferences when exploring the collective benefits this card provides and weighing those against the fee you'd have to put up with.

Read full review

Less

Doctor Of Credit

Well worth applying for

from Doctor Of Credit

I personally don’t think this card will be worth keeping after the first year for the majority of people, unless you can really make use of the 3x categories. What’s really interesting for me and a lot of other people is the ability to get 3x points on mobile wallet purchases. This could be...More

I personally don’t think this card will be worth keeping after the first year for the majority of people, unless you can really make use of the 3x categories. What’s really interesting for me and a lot of other people is the ability to get 3x points on mobile wallet purchases. This could be amazing for manufactured spending depending on what stores near you accept mobile payments.

Read full review

Less

User Reviews


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