U.S. Bank Altitude® Reserve Visa Infinite® Card
Banrox does not offer this card, so this page shows no rates, fees or rewards. It is here because people report their application results for it, to Banrox or in public data points we cite: the numbers below are theirs, and the match report and My Cards recognise the card by this name.
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Your guess: 700
Approved at 670 to 739
U.S. Bank Altitude® Reserve Visa Infinite® Card Review
Altitude Reserve earned a loyal following by paying 3X on anything bought through a mobile wallet. U.S. Bank has closed the card to new applicants, so this review is written for existing cardmembers deciding whether the $400 fee still earns its keep.
How You Earn
The signature category is mobile wallet spending: pay with your phone and nearly everything earns 3X, up to $5,000 per billing cycle.
- Mobile wallet 3X applies to your first $5,000 each billing cycle, then 1X
- A purchase that is both mobile wallet and travel earns bonus points once, not twice
| Category | Earn rate |
|---|---|
| Prepaid car rentals and hotels via Travel Center | 10X |
| Prepaid air travel via Travel Center | 5X |
| Eligible mobile wallet purchases | 3X on first $5,000 per billing cycle |
| Eligible travel purchases | 3X |
| All other eligible purchases | 1X |
How You Redeem
Points reach their maximum value when redeemed for travel or for deposits to an eligible U.S. Bank account, commonly quoted at 1.5 cents per point for travel.
- Real-Time Rewards lets cardmembers redeem points against travel purchases as they post
- Merchandise, gift card and statement credit redemptions can carry a lower value per the program rules
Benefits and Protections
As a Visa Infinite card, Altitude Reserve carries a premium protection package alongside its travel credits.
- $325 annual travel credit
- TSA PreCheck or Global Entry application fee credit
- Priority Pass Select lounge visits
- No foreign transaction fees
Who This Card Is For
Only existing cardmembers can hold this card now. Keeping it makes sense when mobile wallet spending is high and the travel credit gets used every year. Anyone shopping for a new U.S. Bank travel card should look at Altitude Connect instead.
- Existing cardmembers with heavy mobile wallet use should keep it
- The $325 travel credit must be used to justify the $400 fee
- New applicants must choose a different card
Comparison
| Feature | U.S. Bank Altitude Reserve | The Platinum Card from American Express | Citi Strata Premier |
|---|---|---|---|
| Annual Fee | $400 | $895 | $95 |
| Welcome Offer | No welcome offer at this time | As high as 175,000 points, offers vary | 60,000 points after $4,000 in 3 months |
| Rewards Rate | 3X mobile wallet and travel | 5X flights and prepaid hotels via Amex Travel | 3X travel, dining, groceries, gas |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Existing cardmembers only | Premium lounge and hotel perks | Everyday 3X categories |
Issuer Comparison
| Feature | U.S. Bank Altitude Reserve | U.S. Bank Altitude Connect | U.S. Bank Altitude Go |
|---|---|---|---|
| Annual Fee | $400 | $0 | $0 |
| Welcome Offer | No welcome offer at this time | 20,000 points after $1,000 in 90 days | 20,000 points after $1,000 in 90 days |
| Rewards Rate | 3X mobile wallet and travel | 4X travel, 5X prepaid hotels and cars | 4X dining, capped quarterly |
| Key Credits | $325 travel credit, TSA credit | TSA PreCheck or Global Entry credit | $15 streaming credit |
| Best For | Existing cardmembers only | Travel without an annual fee | Dining and streaming |
Approval results for this card
9 results: 9 approved, 0 denied. Approval rate 100% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $150k and above | NY | Nov 2024 |
| Approved | 740 to 799 | Equifax | - | NJ | Sep 2024 |
| Approved | 670 to 739 | Experian | $100k to $150k | AL | Aug 2023 |
See all 9 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
