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

Last updated:  

A premium travel card designed for tech-savvy people.’s rating: 4.4 / 5


  • 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.


Points as welcome offer

Up to 3x



Annual fee


Purchase APR (variable)


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 writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

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
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees

Compare up to 4 providers

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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