Rating: 5 Stars
Bottom Line:
High Travel Rewards from Mobile Wallet and Travel Purchases
TABLE OF CONTENTS
Card Details
| Regular APR: | 17.24 (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending using Apple Pay, Google Pay and Samsung Pay |
| Credit Needed: | (670 – 850) Good/Excellent |
| Annual Fee: | $400, $75 per additional card issued |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending using Apple Pay, Google Pay and Samsung Pay
- Enrollment bonus of 50,000 points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening
- Up to $325 Annual Statement Credit: Get reimbursed for eligible net travel purchases
- Stay connected with 12 complimentary Gogo Inflight Wi-Fi passes per year
- Complimentary 12-month Priority Pass Select membership to more than 1,200 VIP lounges worldwide with 4 free visits for the cardholder and 4 free visits for one accompanying guest
- TSA Pre or Global Entry: Up to $100 statement credit to reimburse your application fee once every four years
- GroundLink Black Car Service: Receive chauffeured black car service at a discount in more than 110 countries
- Silvercar: Drive off in a luxurious Audi with special rental privileges and discounts
- Enjoy special privileges at more than 500 luxury Relais & Chateaux properties around the world
- Elevated service levels 24/7 with dedicated service advisors and Visa Infinite Concierge
- 50,000 points can be redeemed for $750 in airfare, hotel, car rentals and more
- Use your mobile device to instantly redeem points for almost any purchase
Is U.S. Bank Altitude Reserve Visa Infinite worth it?
U.S. Bank Altitude Reserve Visa Infinite Card is a solid card for premium U.S. Bank customers who travel frequently. Note that cardholders must be an existing U.S. Bank customer.
The enrollment bonus of 50,000 points, which is worth $750 in travel, makes the points valued at 1.5 cents. For a $400 annual fee, the card offers 3X points per $1 on travel and 3X points per $1 on mobile wallet spending. With increasing adoption of Apple Pay, Google Pay, Microsoft Pay, or Samsung Pay, U.S. Bank Altitude Reserve Visa Infinite is essentially offering $0.015 dollars per point x 3 points per $1 = 4.5% travel rewards for all transactions that accept your mobile wallet payment provider. This is unmatched.
Just looking at perks, the statement credit of up to $325 for eligible travel purchases and $100 TSA Pre or Global Entry statement credit make up for the annual fee if you use them. Note that although U.S. Bank Altitude Reserve Visa Infinite does get you 12-month Priority Pass Select membership to more than 1,200 VIP lounges worldwide, it only provides you with 4 passes, good for 4 visits for you and one guest. After that lounge visits cost $27.
Also, unfortunately there have been reports from consumers that U.S. Bank Altitude Reserve Visa Infinite does not have the easiest redemption app. At restaurants, using mobile wallet can be a problem. Other premium travel cards, like Chase Sapphire Reserve, offer a higher than 1X rewards rate on dining and are more valuable in this case.
Another item to consider is that the rewards program is separate from the U.S. Bank FlexPoints rewards, so information you read about FlexPoints reward redemption and travel partners will not apply here. If you’re a U.S. bank customer and you are interested in earning rewards at a valuable rate that can be redeemed for travel through U.S. Bank, Altitude Reserve Visa Infinite is a solid card for you.
Pros
- Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending using Apple Pay, Google Pay and Samsung Pay
- Priority Pass Select membership to more than 1,200 VIP lounges worldwide with first four passes free
- 12 complimentary Gogo Inflight Wi-Fi passes per year
Cons
- $400, $75 per additional card issued
- Rewards can’t be pooled with FlexPoints
Why 5 Stars?
Regular APR
5 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance Fee | Either 4% of the amount of each advance or $10 minimum, whichever is greater |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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