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Ad Disclosure

U.S. Bank Altitude Reserve Visa Infinite Review

U.S.-Bank-Altitude-Reserve-Visa-Infinite-Card

Rating: 5 Stars

Bottom Line:
High Travel Rewards from Mobile Wallet and Travel Purchases

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

TABLE OF CONTENTS

  • Card Details
  • Offer Highlights
  • Is U.S. Bank Altitude Reserve Visa Infinite worth it?
  • Pros
  • Cons
  • Why 5 Stars?
  • Regular APR
  • Intro APR
  • Fees
  • Perks
  • Overall
  • Fees
  • Benefits

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 FeeNone
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 4% of the amount of each advance or $10 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with U.S. Bank Altitude Reserve Visa Infinite

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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Best Business Credit Cards, Best Credit Cards For Global Entry, Best Credit Cards For Good Credit, Best Credit Cards For High Spenders, Best Credit Cards For Mobile Wallet Use, Best Credit Cards With Lounge Access, Best Priority Pass Credit Cards, Best U.S. Bank Credit Cards, Best Visa Infinite Credit Cards, Most Exclusive Credit Cards

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