U.S. Bank Altitude® Reserve Visa Infinite®

Quick Snapshot

• Annual Fee: $400
• APR: 21.24%-28.24% variable
• Rewards: 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 3X on travel, dining, and mobile wallet purchases, 1X on everything else
• Bonus: Earn 50,000 bonus points after spending $4,500 in the first 3 months
• Best For: Mobile wallet users and frequent diners who want premium travel benefits at a competitive annual fee
• Credit Needed: Excellent (740+)

Overview

The U.S. Bank Altitude Reserve Visa Infinite is a premium travel card that rewards mobile wallet usage in a way no other card does. You earn 3X points on every purchase made through Apple Pay, Google Pay, or Samsung Pay, which effectively turns any purchase at a tap-to-pay terminal into a bonus category. Dining also earns 3X, and prepaid hotel and car rentals booked through the Altitude Rewards Center earn 5X.

The $325 annual travel and dining credit offsets most of the $400 annual fee, bringing the effective cost down to $75. Cardholders also receive Priority Pass Select lounge access, Global Entry or TSA PreCheck credit, Visa Infinite concierge, and primary rental car insurance. Points are worth 1.5 cents each when redeemed for travel through the Real-Time Rewards program.

This card is an underrated competitor to the Chase Sapphire Reserve and Amex Platinum. The mobile wallet earning structure means you can earn 3X at grocery stores, gas stations, retail shops, and anywhere else that accepts contactless payments, giving it one of the broadest bonus earning footprints of any premium card. The 50,000-point welcome bonus is worth $750 when redeemed for travel.

APR Breakdown

• Purchase APR: 21.24%-28.24% variable
• Balance Transfer APR: 21.24%-28.24% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: APR varies based on creditworthiness and the Prime Rate. No penalty APR, but late payments may still affect your account terms and credit score.

Benefits Overview

Premium Travel Benefits

• $325 annual travel and dining credit applied automatically
• Priority Pass Select lounge access for cardholder and two guests
• Up to $100 Global Entry or TSA PreCheck credit every four years
• Primary rental car collision damage waiver
• Visa Infinite concierge service available 24/7
• Trip cancellation and interruption insurance

Rewards Structure

• 5X points on prepaid hotels and car rentals through Altitude Rewards Center
• 3X points on travel and dining purchases
• 3X points on all mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay)
• 1X points on all other purchases
• Points are worth 1.5 cents each when redeemed for travel

Visa Infinite Perks

• No foreign transaction fees
• Visa Infinite hotel collection with room upgrades and resort credits
• Complimentary Visa Infinite travel and purchase protections
• Extended warranty on eligible purchases
• Return protection

Rewards & Points

• 5X on prepaid hotels and car rentals booked through the Altitude Rewards Center
• 3X on travel, dining, and all mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay)
• 1X on all other purchases

Points are worth 1.5 cents each when redeemed through Real-Time Rewards for travel, dining, and other eligible purchases. This means 50,000 points are worth $750 for travel. Points can also be transferred to select airline partners or redeemed at 1 cent per point for cash back.

Welcome Bonus

Earn 50,000 bonus points after spending $4,500 within the first 3 months of account opening. At the 1.5 cent per point travel redemption rate, this bonus is worth $750 in travel. Combined with the $325 annual travel and dining credit, first-year value easily exceeds the $400 annual fee.

Fees Summary

• Annual Fee: $400
• Foreign Transaction Fee: $0
• Balance Transfer Fee: 3% (min $5)
• Cash Advance Fee: Either $10 or 5%, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Mobile wallet power users who pay with Apple Pay, Google Pay, or Samsung Pay at every opportunity
• Frequent diners who eat out regularly and want 3X on all restaurant spending
• Premium travelers who value lounge access, Global Entry credit, and travel insurance
• U.S. Bank customers who want a premium card within their existing banking relationship

Not Good For

• Cash-only spenders who rarely use mobile wallets and cannot maximize the 3X category
• Low spenders who will not use enough of the $325 travel credit to justify the $400 fee
• Point transfer enthusiasts who want a large airline and hotel transfer partner network like Amex or Chase

Key Pros & Cons

Pros

• 3X on all mobile wallet purchases turns any tap-to-pay terminal into a bonus category
• $325 annual travel and dining credit reduces effective annual fee to $75
• Priority Pass Select lounge access for you and two guests
• Points worth 1.5 cents each for travel redemptions
• No foreign transaction fees
• Primary rental car insurance (not secondary)
• Global Entry or TSA PreCheck credit
• No penalty APR for late payments
• Visa Infinite hotel upgrades and concierge service
• 50,000-point bonus worth $750 in travel

Cons

• $400 annual fee is high even with the $325 credit
• Requires U.S. Bank checking account for some applicants
• Transfer partner options are more limited than Chase or Amex
• Mobile wallet 3X requires merchants to accept contactless payments
• Excellent credit required limits accessibility
• No category bonus on groceries or gas without mobile wallet
• 5X rate only applies to bookings through the Altitude Rewards Center
• Real-Time Rewards redemption not available at all merchants

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Annual value of approximately $1,225 on $24,000 in spending, minus the $400 annual fee, yields $825 net. First-year value with the welcome bonus adds $750 for $1,575 net.

Should You Get This Card?

You Should Get It If...

• You use Apple Pay, Google Pay, or Samsung Pay for most purchases
• You dine out frequently and want 3X on all restaurant spending
• You will use the $325 annual travel and dining credit each year
• You want Priority Pass lounge access at a lower fee than the Sapphire Reserve
• You value primary rental car insurance for road trips
• You are a U.S. Bank customer looking for premium card benefits
• You want no penalty APR as a safety net

You Should Skip It If...

• You do not use mobile wallets regularly
• You travel infrequently and will not use the $325 credit
• You want extensive airline and hotel transfer partners
• You prefer a lower or no annual fee card
• You do not have excellent credit
• You want a card widely available without a banking relationship

Apply Now

Apply for U.S. Bank Altitude® Reserve Visa Infinite®

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.