The U.S. Bank Altitude® Reserve Visa Infinite® card is designed for those who seek premium travel benefits and elevated lifestyle experiences. With robust rewards, exclusive travel perks, and various protection features, this card caters to frequent travelers and individuals who enjoy a luxurious lifestyle.

The card’s combination of high rewards rates and extensive benefits make it an attractive choice for those looking to maximize their travel experiences. In this overview, we will explore the card’s key features, benefits, and potential drawbacks to help you decide if it fits your needs.

Key information about the U.S. Bank Altitude® Reserve Visa Infinite® card

The U.S. Bank Altitude® Reserve Visa Infinite® card offers a wide range of features that set it apart from standard credit cards, making it a top choice for those who seek more than just everyday benefits. As a premium travel credit card, it provides impressive rewards not only on travel purchases but also on dining and mobile wallet transactions, offering a versatile earning potential across multiple spending categories.

How does the annual fee work?

The U.S. Bank Altitude® Reserve Visa Infinite® card comes with a premium annual fee of $400. While this may seem high at first glance, it’s important to factor in the value you receive in return. The $325 annual travel credit significantly offsets this cost, reducing the effective fee to just $75 if you use the full credit.

Moreover, this card doesn’t come with foreign transaction fees, which can save frequent travelers a substantial amount over time. The extensive travel protections, lounge access, and concierge services also add significant value, making the annual fee worthwhile for those who travel regularly and take advantage of these benefits.

How is the credit limit determined?

The credit limit on the U.S. Bank Altitude® Reserve Visa Infinite® card is determined by several factors, including your credit score, income, and financial history. U.S. Bank performs a comprehensive evaluation of your creditworthiness during the application process. Applicants with a higher credit score and strong financial background are more likely to qualify for higher credit limits, while those with lower scores may receive a more modest credit line.

As a premium card, the Altitude Reserve generally offers generous credit limits, but each application is reviewed individually. Over time, responsible usage of the card can lead to increases in your credit limit, especially if you demonstrate consistent on-time payments and low credit utilization.

Advantages of the U.S. Bank Altitude® Reserve Visa Infinite® card

• 3X points on travel and mobile wallet purchases: Earn 3 points per dollar spent on travel expenses like flights and hotels, as well as purchases made using mobile wallets like Apple Pay and Google Pay.
• 50,000 bonus points: New cardholders can earn 50,000 points (worth up to $750 in travel) after meeting the spending requirement within the first 90 days.
• $325 annual travel credit: Each year, cardholders receive a $325 credit that can be applied to a wide range of travel purchases, significantly offsetting the annual fee.
• Priority pass lounge access: Enjoy complimentary access to Priority Pass™ lounges at airports worldwide, providing comfort and convenience during travel.
• No foreign transaction fees: Make purchases abroad without worrying about additional fees, ideal for international travelers.
• Visa Infinite® benefits: Take advantage of Visa Infinite® perks, including concierge services, purchase protections, and extended warranty coverage.

3X points on mobile wallet purchases

One of the unique features of the U.S. Bank Altitude® Reserve Visa Infinite® card is its 3X points on purchases made through mobile wallets such as Apple Pay, Google Pay, and Samsung Pay. This benefit stands out because it rewards cardholders for everyday spending in a way that many other cards do not. Mobile wallet purchases include a broad range of transactions, from groceries to entertainment, making it easy to rack up points quickly without the need for specific travel-related purchases.

Disadvantages

• $400 annual fee: The card comes with a relatively high annual fee, which may not be suitable for occasional travelers or those who don’t take full advantage of the benefits.
• High spending requirement for bonus: To earn the 50,000-point bonus, you need to spend $4,500 within the first 90 days, which could be a significant threshold for some users.
• Limited availability of lounge access: While Priority Pass membership is a valuable benefit, the availability of lounges may be limited depending on the airports you frequent.

High annual fee

The $400 annual fee is the primary drawback for many potential cardholders. While the $325 travel credit helps to offset this cost, the fee may still be too high for individuals who don’t travel often or don’t fully utilize the card’s benefits. Additionally, those who prefer cards with no annual fee may find it hard to justify this expense, even with the added perks.

Who can apply for this card?

The U.S. Bank Altitude® Reserve Visa Infinite® card is designed for individuals with a strong credit history and solid financial background. To apply for this card, applicants should meet the following requirements:

• Minimum age: You must be at least 18 years old.
• Good to excellent credit: A credit score in the 700+ range is generally recommended to qualify for this premium card and secure favorable terms.
• U.S. residency: The card is available only to U.S. residents.

In addition, U.S. Bank may consider factors such as your income, employment status, and existing debt levels when evaluating your application.

How to apply for the U.S. Bank Altitude® Reserve Visa Infinite® card

Applying Through the website

To apply for the U.S. Bank Altitude® Reserve Visa Infinite® card, you can complete the application process online. First, visit the U.S. Bank website and navigate to the Altitude Reserve card page. From there, you can begin the application process by clicking on the “Apply Now” button.

You will need to provide some basic information, including your name, address, social security number, and income details. U.S. Bank will review your application, including a credit check, to determine your eligibility. If approved, you will receive your card in the mail, and you can start using it immediately.

In conclusion, the U.S. Bank Altitude® Reserve Visa Infinite® Card offers a host of premium benefits, particularly for frequent travelers. Its combination of generous rewards, travel credits, and mobile wallet points make it a competitive option in the luxury card market. However, the high annual fee and spending requirements may be prohibitive for some. If you’re a frequent traveler or someone who takes full advantage of rewards programs, this card could be an excellent addition to your wallet.