If you're looking for a premium travel rewards card, the US Bank Altitude™ Reserve Visa Infinite® is a great option that many consumers don't consider. It offers a solid lineup of travel benefits for an annual fee of $400. That might seem like a lot at first glance, but it's actually a lot less than what competing cards charge. Learn more about its pros and cons in our in-depth review.
Classification methodology
Tarjeta U.S. Bank Altitude™ Reserve Visa Infinite®
Image rating, 4.00 out of 5 stars. 
4.00 stars
Our ratings are based on a 5 star scale. 5 stars equals the best. 4 stars equals excellent. 3 stars is good. 2 stars equals fair. 1 star equals poor. We want your money to work harder for you. That's why our rankings are geared towards businesses that provide versatility and reduce direct costs.
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= excellent
= Bom
= fair
= poor
Credit score:
Good/Excellent (670-850) Inclusion in this credit range does not guarantee issuer approval. An application must be submitted to the issuer for an eventual approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions.
APR Introduction
Shopping:N / D
Balance transfers:N / D
common TAE
21.99% - 28.99% variable
rewards 5x points on prepaid car rentals/hotels booked through the Altitude Rewards Center, 3x points on qualifying travel and mobile wallet spending, 1x points on other purchases
1x - 5x points
annual quota
$ 400
welcome offer 50,000 points after spending $4,500 within the first 90 days of account opening
50,000 points
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The lucrative bonus and rewards program is among the best you will find. But there are some hurdles to consider, including the justifiable annual fee and the fact that the card is only available to US customers. Bank.
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- Great sign-up bonus
- travel credits
- Airport lounge access
- travel rewards
- Mobile Wallet Rewards
- annual quota
- Must be a US bank customer to apply
- Limited ways to use travel points
- Inconvenient redemption process
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- Earn an enrollment bonus of 50,000 points worth $750 worth of travel. Simply spend $4,500 within the first 90 days of opening an account.
- Earn 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center
- Earn 3X points for every $1 in qualifying net travel purchases and mobile wallet spend
- Get up to $325 in annual statement credits back on qualifying travel net purchases.
- TSA Preè or Global Entry: Up to $100 statement credit to pay application fee once every four years
- Airport Lounge Access - Free 12-month Priority Pass™ Select membership to over 1,200 lounges worldwide.
Full review of the US Altitude Reserve. Bank
This credit card is a good option for:Consumers looking for a luxury travel card with easy-to-use benefits. Mobile wallet users will love the additional rewards this card offers on these types of purchases.
main advantages
As you'd expect from a fancy travel card, the U.S. Visa Infinite® Card. Bank Altitude™ Reserve is packed with features.
50,000 bonus points
You will receive this sign-up bonus after you spend $4,500 on purchases within the first 90 days of account opening. Rewards are worth $0.015 per travel point, so this bonus is worth $750.
Read more: Best sign-up bonus credit cards
Get up to 5 points for $1
US Bank Altitude™ Reserve Visa Infinite® Card earns:
- 5 points per $1 on prepaid hotels and rental cars booked through the Altitude Rewards Center
- 3 points per $1 of qualifying travel purchases and mobile wallet spending including Apple Pay, Samsung Pay, Google Pay and LG Pay
- 1 point per $1 on other purchases
These bonus rates are on par with thebest travel rewards cards. Mobile wallet spending in particular is a great category to earn bonus points because you can earn 3 points for every $1 at any merchant that accepts this type of payment.
View more: The best rewards credit cards
$325 annual travel and dining credit
US. The bank automatically refunds your first $325 in annual spending on eligible travel and dining purchases, which also include pickup and delivery. This spending credit is issued each year to the cardholder. Significantly lowers the cost of the card and is the largest single credit we've seen inanyrewards card
Related: The best credit cards for dining and restaurants
Global Entry Credit/TSA PreCheck
You will receive a statement credit toward the full membership fee for any of theGlobal entry is TSA PreCheck. Each of these programs offers different types of expedited airport security checks. Global Entry is the best option because membership also includes TSA PreCheck.
You can get this credit of up to $100 every four years to renew your subscription. In order for the credit to apply, you must pay the membership fee with your US card. Bank Altitude™ Reserve Visa Infinite®.
Airport lounge access
As a cardholder, you will receive a complimentary Priority Pass Select membership, which gives you access to over 1,300 airport lounges in the Priority Pass Select network.
There's one notable downside: you'll only get four free individual visits and four free guest visits per year. After that you will need to pay a fee of $32 per person. While four visits are enough for some travelers, frequent travelers and those traveling with multiple guests can get through these visits quickly.
It's also worth mentioning that other credit cards with airport lounge access are much less restrictive. Some offer unlimited visits per year for the cardholder and up to two guests.
More options: The best credit cards with airport lounge access
Alternatives to consider
- If you want a luxury travel card with transferable points:HeReserva Chase Sapphire®The card is arguably one of the best cards in this space.Puntos Chase Ultimate Rewardsit can be used for a wide range of redemptions, including leveraging profitable transfers to multiple airlines to further increase your value. That means it offers a similar amount of value with more flexibility. However, the annual fee is higher by $550.
- If you are looking for a more economical option:you can get theCapital One Venture Rewards credit cardfor an annual fee of $95. This high-value travel card earns 2 miles per $1 worth of purchases and offers an easy redemption process.
From may. 09, 2023
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| Reserva Chase Sapphire® | Capital One Venture Rewards credit card |
| Image rating, 4.50 out of 5 stars. 4.50 stars Our ratings are based on a 5 star scale. 5 stars equals the best. 4 stars equals excellent. 3 stars is good. 2 stars equals fair. 1 star equals poor. We want your money to work harder for you. That's why our rankings are geared towards businesses that provide versatility and reduce direct costs. | Image rating, 4.50 out of 5 stars. 4.50 stars Our ratings are based on a 5 star scale. 5 stars equals the best. 4 stars equals excellent. 3 stars is good. 2 stars equals fair. 1 star equals poor. We want your money to work harder for you. That's why our rankings are geared towards businesses that provide versatility and reduce direct costs. |
| Enroll in the Chase Sapphire Reserve® now On Chase's secure site. | Apply Now for the Capital One Venture Rewards Credit Card On Capital One's secure website. |
| Read the full review | Read the full review |
| Credit score Requirement: Good/Excellent (670-850) Inclusion in this credit range does not guarantee issuer approval. An application must be submitted to the issuer for an eventual approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions. | Credit score Requirement: Good/Excellent (670-850) Inclusion in this credit range does not guarantee issuer approval. An application must be submitted to the issuer for an eventual approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions. |
| Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months of opening an account. That's $900 for travel when you redeem through Chase Ultimate Rewards® 60,000 bonus points | Welcome offer: 75,000 miles when spending $4,000 on purchases within 3 months of opening account, equivalent to $750 worth of travel 75,000 miles |
| Rewards Program: Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after spending the first $300 on travel purchases annually. Earn 3 points on other travel and meals and 1 point for every $1 spent on all other purchases 1x - 10x points | Rewards Program: Earn double unlimited miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel. 2x - 5x million |
| APR Introduction: N / D Purchases: N/A Balance Transfers: N/A | APR Introduction: Purchases: N/A Balance Transfers: N/A |
| Common APR: 21.74% - 28.74% Variable | Common APR: 20.74% - 28.74% (Variable) |
| Annual quota: N / D $ 550 | Annual quota: $ 95 |
| Reflexes:
| Reflexes:
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| Enroll in the Chase Sapphire Reserve® now On Chase's secure site. | Apply Now for the Capital One Venture Rewards Credit Card On Capital One's secure website. |
| Show more Show less | |
What can be improved
While it has many benefits, the US Bank Altitude™ Reserve Visa Infinite® does have its drawbacks.
annual quota
US. The bank charges an annual fee of $400 for this card. This is something to consider before applying, but for a premium credit card with these types of benefits, the annual fee is pretty low.
Just the $325 annual travel and dining credit brings the annual fee cost down to $75. Since points are worth $0.015 each, you only need to earn 5,000 points to break even at $75. spending categories where you can earn bonus points.
There are also many additional travel benefits that can save you even more money, including airport lounge access, Gogo® Wi-Fi inflight passes and a Global Entry/TSA PreCheck credit. If you are confident that you will use most of the benefits of this card, you will pay this annual fee.
I can't transfer points
A notable flaw of the U.S. Visa Infinite® Bank Altitude™ Reserve is that it has no travel partners you can transfer your rewards to. Several travel cards in this price range have transferable points, meaning they allow cardholders to send their points into airline or hotel loyalty programs.
While transferring points is more complicated than simply redeeming them at a flat rate, this type of redemption also offers more potential value. It's possible to get $0.03 per point or more with transfers, and that's an option you won't have with this US travel card. Bank.
Only available to US customers. Bank
This card is exclusive to US customers. Bank. To apply, you must already have abank account, credit card, loan or other type of financial product with U.S. Bank.
It's not too difficult to meet this requirement if you really want the card. However, it is strange that the US Bank add this hurdle. Withthe best credit cards, card issuers often want to make it easier, not harder, for people to sign up.
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Suggested Credit Score
To have a good chance of being approved for the US. Bank Altitude™ Reserve Visa Infinite® must have a FICO® Score of 670 or higher. US. The bank is known to be one of the strictest card issuers, and the most successful applicants haveexcellent credit.
Please note that this card is only available to existing US customers. Bank. Any of the bank's products will work, including bank accounts, credit cards, mortgages or brokerage accounts. This account must be open and active for at least five business days before you can apply for the US card. Bank Altitude™ Reserve Visa Infinite®.
Related: US bank credit card credit score
The US Altitude Reserve Bank is right for you if:
You want a travel rewards card with premium benefits and easy rewards redemption.
In terms of value, the US Bank Altitude™ Reserve Visa Infinite® is a fantastic option. It has a lot of useful features and just a few minor issues. If the following is true for you, then this card should be a great fit for you:
- Are you a US Bank customer or willing to become one. It's a requirement. If you don't have a US bank account, you will need to open one before applying.
- Prefer Simple Travel Rewards. The only way to redeem points for this card is with a flat fee for travel purchases. This makes it a good choice if you want to avoid the learning curve involved with transferring points.
- You don't use airport lounge access much. Although this card has access to the airport lounge, it only offers four individual visits and four guest visits per year. If you visit lounges more often or bring a lot of guests, it might be worth looking into a card with better lounge access.
Keep reading: Best US bank credit cards
common questions
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The credit limit for the US Bank Altitude™ Reserve Visa Infinite® ranges from $5,000 to over $30,000. You have a minimum initial credit limit of $5,000. When your card is approved, the US bank determines your credit limit based on your income and credit history.
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No, this card does not charge a foreign transaction fee.
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It can be difficult to obtain the U.S. Visa Infinite®. Bank Altitude™ Reserve because US Bank is strict about who approves. Generally, the bank only approves applicants with good to excellent credit who have not opened more than two credit cards in the previous year. You must also be a US customer. Bank to apply for this card.
Our credit card specialist
By:lyle daily
Writer
Lyle Daly is a personal finance writer specializing in credit cards, travel rewards programs and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a base of operations in Colombia.