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U.S. Bank Altitude Reserve Visa Infinite card overview

Card Rating*: ⭐⭐⭐⭐

Seasoned award travelers live by a simple creed: hoard miles, hunt down outrageous redemption deals. But unlocking those dream trips? That’s where the real adventure begins, often a deep dive into research that can feel overwhelming.

Tired of travel rewards programs that feel like deciphering ancient hieroglyphs? The U.S. Bank Altitude Reserve Visa Infinite Card cuts through the confusion. Earn valuable rewards and redeem them with incredible ease. Yes, there’s a $400 annual fee, but think of it as an investment. Generous statement credits swoop in to significantly offset the cost. Historically, a credit score of 750+ has been the golden ticket to unlocking this card’s potential.

The U.S. Bank Altitude Reserve might be closed to new applications, but whispers online suggest a secret backdoor. Existing U.S. Bank cardholders, especially those with other Altitude cards, are reportedly having success calling customer service and requesting a product change to snag this coveted card.

The Points Guy sourced the details on the U.S. Bank Altitude Reserve Visa Infinite card independently. U.S. Bank hasn’t reviewed, approved, or provided any of the card information found here.

U.S. Bank Altitude Reserve pros and cons

Pros Cons
* Annual travel credit * No limit on points earned * Bonus points when redeeming for travel * Travel and shopping protections * High annual fee * No transfer partners * Limited lounge access passes * No longer available to new applicants

U.S. Bank Altitude Reserve welcome offer

The card is closed to new applicants. Therefore, a welcome offer is not available.

US Bank Altitude Reserve Visa Infinite Card review

THE POINTS GUY

Related: 9 valuable travel perks that you can get with a credit card

U.S. Bank Altitude Reserve benefits

Unlock $325 in effortless travel and dining rewards annually with the U.S. Bank Altitude Reserve card. Imagine: flights, hotels, rental cars, even your daily commute covered. Craving takeout or a restaurant delivery? It counts too. Turn everyday expenses into travel adventures.

Ditch the travel-only restriction! While my Chase Sapphire Reserve doles out a respectable $300 travel credit (see rates and fees), the Altitude Reserve’s statement credit offers wider flexibility, letting you redeem rewards on more than just flights and hotels.

Unlock Faster Travel: Your card gets you up to a $120 credit every four years to breeze through airport security with Global Entry or TSA PreCheck. Apply and let your card foot the bill!

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The Altitude Reserve’s stingy lounge access: Eight Priority Pass visits, then $35 a pop. In a world awash with credit cards offering unlimited Priority Pass perks, this feels like a slap in the face for a $400 annual fee. Forget luxury, this is budget airline territory. For true lounge aficionados, the Sapphire Reserve, with its comprehensive Priority Pass Select membership and exclusive Chase Sapphire Lounges, is a far more appealing oasis.

Beyond the usual perks, this card acts as your travel safety net, offering trip cancellation/interruption coverage, swift reimbursement for delays, and a lifeline for lost luggage. Unexpected emergency? Emergency evacuation and transportation are covered. Back home, shop with confidence knowing your purchases are shielded with protection, easy returns, and extended warranties.

Another notable perk? This card does not charge foreign transaction fees, similar to many other travel credit cards.

Earning points on the U.S. Bank Altitude Reserve

Forget complicated tiers and rotating categories! This card’s rewards are so straightforward, they’ve practically achieved cult status among credit card aficionados. Here’s the lowdown on how you rake in the points:

  • 5 points per dollar spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Unlock Triple Rewards: Tap to Pay with Apple, Google, or Samsung Wallet and earn 3X the points on every purchase!

  • 3 points per dollar spent on all eligible travel purchases.

  • 1 point per dollar spent on all other purchases.

Unlock VIP treatment: rack up rewards on flights, hotels, and dream cruises. From taxis to trains, every mile (and mobile app purchase!) gets you closer to your next adventure.

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Ditch the plastic, embrace the future. This card isn’t just another piece of plastic; it’s your ticket to maximizing rewards in the mobile age. Forget paltry points – think serious cash back on big-ticket items. Auto repairs got you down? New laptop draining your account? Jewelry sparkling a littletoobright? This card transforms those painful purchases into lucrative opportunities.

Forget rotating categories! Finally, a cash-back credit card that treats mobile wallet spending as the norm, not a fleeting bonus. Unlimited rewards, always on.

Here’s the kicker: those points can explode in value, reaching a hefty 1.5 cents apiece when you unlock their potential through the issuer’s portal – a sweet deal compared to the measly 1 cent most loyalty programs cough up.

Related: Will my rewards change if I pay by mobile wallet?

Redeeming points on the U.S. Bank Altitude Reserve

Unlock travel rewards where every point transforms into 1.5 cents of adventure! Fly high booking directly with airlines, unwind in hotels, or cruise the open seas your points supercharge every journey. Even taxis and train rides fuel your next escape.

Imagine erasing everyday purchases with your rewards points. With our card, you can! Turn points into statement credits, wiping away balances with satisfying ease. Or, experience instant gratification with our real-time redemption feature – a credit card rarity! Shop at eligible merchants and receive a text asking if you want to use points to cover the costright then and there.Reimagine rewards!

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Real-time rewards offer instant gratification, but each point translates to a penny. While convenient, consider this: your points pack the most punch when redeemed for travel adventures. Unlock unforgettable experiences instead of pocket change.

Related: Getting started with points, miles and credit cards to travel

Which cards compete with the U.S. Bank Altitude Reserve

U.S. Bank Altitude Reserve: How Does It Stack Up? We pit this premium card against the competition, dissecting annual fees, statement credits, earning rates, and perks to reveal the ultimate travel rewards champion.

For additional options, check out our picks for the best premium credit cards.

Related: Capital One Venture X vs. Chase Sapphire Reserve

Is the U.S. Bank Altitude Reserve worth it?

Tap your way to rewards! If you’re a mobile wallet devotee, this card could have been your golden ticket to racking up extra points – virtually everywhere you pay. The catch? This coveted card is no longer available for new applications. Existing U.S. Bank cardholders, however, might still be able to snag it through a product change.

Bottom line

The U.S. Bank Altitude Reserve card? It’s the undercover agent of travel rewards. Forget flashy transfers to airlines and hotels. This card skips the usual song and dance and delivers cold, hard value. That $400 annual fee? Consider it a membership to an exclusive club offering a whopping $325 in annual travel credits. Think of it: that hard-to-book, off-the-beaten-path adventure where points and miles just won’t cut it. The Altitude Reserve is your ticket. While others chase points charts, you’ll be chasing sunsets, stress-free.

Got this card already? Hold onto it! And if you’re already rocking a U.S. Bank card, a quick call to customer service to see if you can snag this one through a product change might just be your smartest move today.

Related: U.S. Bank Altitude Connect Visa Signature Card review

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