U.S. Bank Altitude Reserve Visa Infinite Card Review

The U.S Bank Altitude Reserve Visa Infinite Card is a credit card that offers many rewards and benefits to its consumers. This review will provide an overview of the features and advantages offered by this card, as well as potential drawbacks to consider when deciding whether or not it’s right for your needs.

It can be difficult to decide what type of credit card best meets one’s financial needs; however, in order to make an informed decision, it is important to understand all aspects of the product being considered. This article aims to discuss the key factors related to the U.S Bank Altitude Reserve Visa Infinite Card in detail, providing information on the advantages and disadvantages associated with each feature so readers may ultimately determine if this particular card fits their individual requirements.

Finally, this review will also compare various other available cards from different banks and how they differ from the U.S Bank Altitude Reserve Visa Infinite Card, allowing consumers to gain valuable insight into which option might suit them best overall for their personal finances.


Overview Of Features

The U.S. Bank Altitude Reserve Visa Infinite Card is a rewards card specifically designed for frequent travelers that offers an extensive array of benefits and features, such as exclusive travel rewards, access to pre-sale tickets, complimentary lounge membership privileges, and luxury hotel upgrades. This credit card also has no annual fee for the first year and charges $400 each year thereafter.

Cardholders are eligible for up to 50,000 points which can be redeemed for airfare or hotels through the U.S. Bank Travel Portal at a rate of 1.5 cents per point. Additionally, they will receive three points per dollar spent on qualifying travel purchases including airlines, car rentals, cruises, hotels and other accommodations as well as one point per dollar spent elsewhere. Other perks include airport lounge access with Priority Pass Select membership and 12 free visits annually plus discounts on select dining experiences worldwide when using their card to pay.


Eligibility Requirements

The U.S. Bank Altitude Reserve Visa Infinite Card is available to individuals with at least a good credit score and those who have not declared bankruptcy within the last seven years. Applicants must be 18 years of age or older, reside in one of the 50 United States, Washington D.C., Guam, Puerto Rico, or USVI, and possess a valid Social Security number (SSN). This card does not currently offer an upgrade option for existing U.S. Bank customers; however, new customers may apply online in minutes by providing personal information such as full name and address along with financial details including income source and monthly debt obligation amounts. To help ensure prompt approval times, applicants should provide updated and accurate information on their application such as up-to-date contact information and employment history fields filled out completely. Approval decisions are typically made quickly but can take up to two weeks depending on the complexity of each individual’s circumstances.


Benefits And Rewards

The U.S. Bank Altitude Reserve Visa Infinite Card offers an array of benefits and rewards to cardholders, in addition to the eligibility requirements previously discussed. These include:

  • A generous signup bonus worth up to $450
  • An award rate of 3X points per dollar spent on travel and mobile wallet purchases
  • Up to a $325 annual air travel credit each calendar year
  • 12 complimentary Gogo Inflight Wi-Fi passes each membership year

Additionally, members will receive 15% off on eligible hotel stays booked through the Luxury Hotel & Resort Collection program as well as access to Priority Pass Select lounges located around the world. All these perks are designed to make your travels more convenient, comfortable, and rewarding. The highly competitive features of this card offer considerable value for frequent travelers who want exclusive benefits that come with no additional cost or hassle.


Fees And Charges

The U.S. Bank Altitude Reserve Visa Infinite Card offers many benefits and rewards, but comes with a hefty annual fee of $400-450 depending on the applicant’s credit rating. Additionally, there are some other fees associated with this card such as cash advances, balance transfers, foreign transaction fees, late payment fees and returned payment charges. Cash advance fees are 4% or $10 minimum while balance transfer fees are either 3%, $5 minimum or 5%, whichever is greater. Foreign transaction fees amount to 3%. Late payments incur up to a maximum of $37 for any given month and returned payments have an additional charge of up to a maximum of $35 per incident.


Pros And Cons

The U.S. Bank Altitude Reserve Visa Infinite Card offers a variety of benefits and perks that may make it an attractive choice for some individuals. The card’s rewards program provides three points per dollar spent on eligible travel purchases, two points per dollar spent at restaurants, and one point per dollar spent everywhere else. Additionally, cardholders receive up to $325 in statement credit each year when they use their cards for qualifying travel expenses such as airfare or hotel stays. Furthermore, the cardholder has access to exclusive experiences through the Altitude Concierge Service, which includes special event tickets and VIP access to select locations.

On the other hand, this card also comes with several drawbacks that should be considered before applying. Firstly, there is a significant annual fee of $400 which must be paid even if the cardholder does not take advantage of any of its features or rewards programs. Secondly, many competing cards have higher reward rates than those offered by the U.S. Bank Altitude Reserve Visa Infinite Card; furthermore, those same competitors often offer more generous sign-up bonuses and better redemption options for frequent travelers. Ultimately, although this card can provide certain advantages for users who frequently engage in luxury travel activities, its long-term value depends heavily upon individual preferences and spending habits.



When it comes to deciding which premium credit card is right for you, the U.S. Bank Altitude Reserve Visa Infinite Card has many alternatives that might be worth considering as well. Below is a comparison of features and benefits between this card and two other popular cards from Chase and American Express.

The U.S. Bank Altitude Reserve Visa Infinite Card offers great benefits such as triple points earning potential and enhanced redemption bonuses compared to some of its competitors like Chase Sapphire Reserve and American Express Platinum Cards. However, each of these cards have their own pros and cons depending on your spending habits so it’s important to consider all aspects before making a decision about which one is best suited for you.



The U.S. Bank Altitude Reserve Visa Infinite Card offers a variety of features that can be appealing to individuals looking for rewards and benefits from their credit card, such as travel and purchase protection services, emergency assistance when travelling abroad, and exclusive access to airport lounge networks. Although the card has high eligibility requirements, it is an ideal choice for those who qualify due to its generous rewards program and competitive fees structure.

The range of benefits offered by this card are highly favorable; these include 3X points on eligible travel purchases and 1x points on all other spending categories, 15% off select streaming services, no foreign transaction fees, and more. Additionally, there are several ways in which users can redeem their points for cashback or statement credits towards travel expenses.

Overall, the U.S. Bank Altitude Reserve Visa Infinite Card provides great value for frequent travelers due to its attractive rewards program, low fees structure, access to luxury experiences such as airport lounges around the world, and numerous additional perks like car rental loss and damage insurance coverage. Those who qualify should certainly consider applying for this card in order to take full advantage of its many benefits.

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