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U.S. Bank Altitude™ Reserve Visa Infinite® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
If you're looking for a premium travel rewards card, the U.S. Bank Altitude™ Reserve Visa Infinite® Card is an excellent option that many consumers don't consider. It offers a strong lineup of travel benefits for a $400 annual fee. That may sound like a lot at first glance, but it's actually much less than what competing cards charge. Find out more about its pros and cons in our detailed review.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
22.24%-29.24%, variable
Rewards 5x points on prepaid car rentals/hotels booked through Altitude Rewards Center, 3x points for eligible travel and mobile wallet spending, 1x points on other purchases
1x - 5x points
Annual Fee
$400
Welcome Offer 50,000 points after spending $4,500 in the first 90 days of account opening
50,000 points
The lucrative bonus and rewards program are among the best you'll find. But there are some hurdles to consider, including the annual fee, limited travel redemption options, and cash back redemption minimum.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Consumers looking for a luxury travel card with easy-to-use benefits. Mobile wallet users will love the bonus rewards this card offers on those types of purchases.
As you'd expect from a high-end travel card, the U.S. Bank Altitude™ Reserve Visa Infinite® Card is feature packed.
You'll receive this enrollment bonus after spending $4,500 on purchases within the first 90 days of opening the account. Rewards are worth $0.015 per point towards travel, so this bonus has a value of $750.
Read more: Best Sign-Up Bonus Credit Cards
The U.S. Bank Altitude™ Reserve Visa Infinite® Card earns:
Those bonus rates are on par with the best travel rewards cards. Mobile wallet spending, in particular, is a great category for earning bonus points, because you can earn 3 points per $1 at any merchant accepting that type of payment.
See more: Best Rewards Credit Cards
U.S. Bank automatically reimburses your first $325 in annual spending on eligible travel purchases and dining, which also includes takeout and food delivery. This spending credit is issued each cardmember year. It significantly cuts down on the cost of the card, and it's the largest single credit we've seen on any rewards card.
Related: Best Credit Cards for Dining and Restaurants
You'll receive a statement credit for the full membership fee of either Global Entry or TSA PreCheck. These programs each provide different types of expedited airport security screening. Global Entry is the better way to go, because a membership also includes TSA PreCheck.
You can get this credit of up to $100 every four years to renew your membership. For the credit to apply, you must pay the membership fee with your U.S. Bank Altitude™ Reserve Visa Infinite® Card.
As a cardholder, you'll receive a complimentary Priority Pass Select membership, allowing you to access the more than 1,300 airport lounges in that program's network.
There's one notable drawback -- you'll receive only four free individual visits and four free guest visits per year. After that, you'll need to pay a fee of $32 per person. While four visits will be enough for some travelers, frequent flyers and those who travel with multiple guests can go through those 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: Best Credit Cards With Airport Lounge Access
While it has lots of benefits, the U.S. Bank Altitude™ Reserve Visa Infinite® Card isn't without its drawbacks.
U.S. Bank charges an annual fee of $400 for this card. That's something to consider before applying, but for a premium credit card with these types of benefits, the annual fee is actually on the low side.
The $325 annual travel and dining credit alone takes the annual fee cost down to $75. Since points are worth $0.015 each, you only need to earn 5,000 points to balance out that $75. That's easy enough to do with all the spending categories where you can earn bonus points.
There are also plenty of additional travel perks that could save you even more money, including airport lounge access, Gogo® in-flight Wi-Fi passes, and a Global Entry/TSA PreCheck credit. If you're confident you'll use most of this card's benefits, then you'll come out ahead on that annual fee.
A notable flaw of the U.S. Bank Altitude™ Reserve Visa Infinite® Card is that it doesn't have travel partners where you can transfer your rewards. Several travel cards in this price range have transferable points, meaning they allow cardholders to send their points to airline or hotel loyalty programs.
Although transferring points is more complicated than just 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 travel card from U.S. Bank.
This card is exclusive to U.S. Bank customers. To apply for it, you must already have a bank account, credit card, loan, or other type of financial product with U.S. Bank.
It's not too difficult to fulfill this requirement if you really want the card. However, it's odd that U.S. Bank would add this hurdle. With top credit cards, card issuers usually want to make it easier, not harder, for people to apply.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
For a good chance at approval on the U.S. Bank Altitude™ Reserve Visa Infinite® Card, you should have a FICO® Score of 670 or higher. U.S. Bank is known for being one of the stricter card issuers, and most successful applicants have very good or excellent credit.
Keep in mind that this card is also only available to existing U.S. Bank customers. Any of the bank's products work, including bank accounts, credit cards, mortgages, or brokerage accounts. That account must be open and active for at least five business days before you can apply for the U.S. Bank Altitude™ Reserve Visa Infinite® Card.
You want a travel rewards card with premium benefits and simple rewards redemptions.
In terms of value, the U.S. Bank Altitude™ Reserve Visa Infinite® Card is a fantastic choice. It has plenty of useful features and only a couple of minor issues. If the following are true for you, this card should fit you very well:
Keep reading: Best U.S. Bank Credit Cards
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The credit limit for the U.S. Bank Altitude™ Reserve Visa Infinite® Card ranges from $5,000 to over $30,000. It has a minimum starting credit limit of $5,000. When you're approved for the card, U.S. Bank determines your credit limit based on your income and credit history.
No, this card does not charge a foreign transaction fee.
It can be hard to get the U.S. Bank Altitude™ Reserve Visa Infinite® Card because U.S. Bank is strict about who it approves. The bank typically only approves applicants with good to excellent credit who haven't opened more than two credit cards in the previous year. You also must be a U.S. Bank customer already to apply for this card.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Visa.