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U.S. Bank Altitude Reserve Visa Infinite® Card review

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A premium travel card designed for tech-savvy people.

  • Get this card if you want a premium travel card focused on using a digital wallet.
  • Pick something else if you want more flexibility for redeeming your points.
  • Apply if you have a good to an excellent credit score of 740 or higher.

40,000

Points as welcome offer

Up to 3x

Points

$400

Annual fee

16.24%

Purchase APR (variable)

Details

Product NameU.S. Bank Altitude Reserve Visa Infinite® Card
Card typeVisa
Annual fee$400
Purchase APR16.24% variable
Balance transfer APR16.24% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate24.49% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 24 days
Late payment feeUp to $40
Returned payment feeUp to $35
Additional cardholder fee$75
Rates & feesrates & fees

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards staff writer at Finder. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

The U.S. Bank Altitude Reserve Visa Infinite® Card’s joins the ranks of credit cards catering to those spending more of their money digitally. This card offers 3x points on net travel and digital wallet purchases, a 40,000-point signup bonus, $325 in annual statement credits and $100 credit toward TSA PreCheck and Global Entry every four years.

Perhaps the most distinguishing characteristic of this card is its focus on your digital wallet. All eligible wallet purchases will earn you 3x points — that includes Apple Pay, Google Pay and Samsung Pay. Whether you view this feature as advantageous or a hindrance depends on your spending habits and whether your favorite stores accept mobile payments.

Still, if you’re the type of cardholder that performs a lot of travel and digital spending, it’s tough to beat the potential value of the U.S. Bank Altitude Reserve Visa Infinite® Card. The rewards, great travel perks and generous statement credits make this card more than worth a look.

The perks

  • Enrollment bonus.
    Receive a 40,000 points enrollment bonus when you spend $3,000 in the first 90 days of account opening. This is worth up to $750 on travel according to U.S. Bank.
  • Strong rewards rate.
    Earn 3x points per dollar spent on eligible net travel purchases and 3x points per dollar spent on eligible net mobile wallet purchases when you use your mobile device. Earn 1x point per dollar for all other eligible net purchases.
  • Statement credits.
    This card offers up to $325 in annual statement credits for eligible travel purchases. You can also earn up to $100 in fee credits for TSA Precheck and Global Entry every four years.
  • Low APR.
    This card comes with a relatively low variable purchase APR of 16.24%.

You’ll also like

  • Visa Infinite Benefits.
    You’ll enjoy perks and benefits such as 24/7 Visa Infinite Concierge services, discounts on participating rental car companies and a 12-month Priority Pass Select membership at no extra charge.
  • Fraud protection.
    Your card comes with fraud monitoring and ID theft protection in the event your card is lost or stolen.
  • Travel insurance.
    You’ll get auto rental collision damage and emergency assistance services, among other insurance policies.
  • Points don’t expire.
    Hang on to your points until you need them.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
United℠ Explorer Card
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
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Watch out for

  • Annual fee.
    There’s a $400 annual fee and an additional $75 for each additional card. Your yearly statement credits can mostly make up for this fee, however.
  • Unique reward requirement.
    You must use your digital wallet to maximize reward potential. This can be difficult if you live in an area where this sort of payment isn’t widely accepted.
  • U.S. Bank membership required.
    This card is only available to U.S. Bank members.
  • Points don’t transfer.
    Points must be redeemed through the U.S. Bank portal. They can’t be transferred to other reward programs.

Bottom line

The U.S. Bank Altitude Reserve Visa Infinite® Card is great for tech-savvy travelers who can take advantage of the unique rewards requirement. Plus, the card practically pays for itself thanks to its yearly statement credits.

If you value more flexibility with your point earnings, or simply can’t make enough mobile purchases to earn decent rewards, you might want to consider other premium credit cards with more traditional reward structures.

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