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

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable)
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable)
Balance Transfer
20.74% ‐ 27.74% (Variable)
Balance Transfer
20.74% ‐ 27.74% (Variable)
1 - 5 points
1 - 5 points
Signup Bonus
50000 points (after spending $4,500)
Signup Bonus
50000 points (after spending $4,500)

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 14 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...

Doctor Of Credit
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 amazing...

- William Charles, Doctor Of Credit

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 add...

- Ben Walker, FinanceBuzz

The perks more than justify the annual fee. But at the same time, don’t ignore the fact that this card has a higher APR. So it might not be the right fit if you carry a balance from month-to-month. You could end up paying hundreds in interest charges.

- Valencia Patrice Higuera, MyBankTracker

With its 3-point-per-dollar-spent rewards when using a mobile wallet, the U.S. Bank Altitude Reserve Visa Infinite seeks to appeal to tech-savvy consumers who prefer to use virtual cards, and perhaps to those who are willing to join that group. The card also cultivates cachet through its lofty $400...

- Lance Cothern, Investopedia
The Balance
The Balance

It is a high-end card for travelers who want to earn rewards and enjoy top-notch benefits when they’re away from home. The card has a high annual fee but if used strategically, you can take advantage of multiple excellent benefits and a yearly travel credit.

- Dawn Papandrea, Marisa Figat, The Balance


Interest Rates
Regular APR Interest Rate 20.74% ‐ 27.74% (Variable)

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

Balance Transfer Interest Rate 20.74% ‐ 27.74% (Variable)

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

Cash Advance Interest Rate 29.74% (Variable)

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 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus 50000 points after spending $4,500

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels 5 points per $ spent

On prepaid hotels booked directly in the Altitude Rewards Center.

Travel 3 points per $1 spent

On eligible net travel purchases

Pharmacy No
Bills No
Additional Details

  • 5 points per $1 spent on car rentals booked directly in the Altitude Rewards Center.
  • 3 points per $1 spent on eligible mobile wallet purchases
  • Features & Benefits
    Additional Card Holders

    $75 per year for each card

    Travel Accident Insurance Yes
    Car Rental Insurance Yes
    Car Rental Discount Yes
    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, Google Pay
    Virtual Cards No
    Additional Benefits

  • Complimentary 12-month Priority Pass™ Select membership to more than 1,200 VIP lounges worldwide.
  • Drive off in a luxurious Audi with special rental privileges and discounts.
  • Up to $100 statement credit to reimburse your TSA Pre® or Global Entry application fee once every four years.
  • Get up to $325 annual credits for eligible travel purchases and takeout, food delivery and dining purchases.
  • Enjoy special privileges at more than 500 luxury Relais & Châteaux properties around the world.
  • GroundLink® Black Car Service
  • ID Theft Protection
  • Emergency Evacuation
  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Golf Benefit
  • Silvercar®
  • ID Navigator Powered by NortonLifeLock
  • Eligibility
    Minimum Security Deposit $0
    Minimum Age 18
    Minimum Personal Income
    Temporary Residents No
    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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