U.S. Bank Altitude Reserve Visa Infinite® Card

The U.S. Bank Altitude Reserve Visa Infinite Card is a high-end travel card made of metal — stainless steel. It has a relatively high annual fee of $400, but comes with many benefits not found on cards with lower annual fees.

It provides 3X points on eligible travel and mobile wallet purchases (the mobile wallet category can be very useful because many merchants today accept mobile wallets). The eligible mobile wallets are Apple Pay, Android Pay, Samsung Pay, and Microsoft Wallet.

An introductory offer of 50,000 bonus points is available for spending $4,500 in the first 90 days after account opening, equivalent to $750 in travel redemptions.

Cardholders also get a $325 annual travel credit, a 12-month membership to Priority Pass Select for airport lounge access, and a statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.

Some other travel perks are included as well, like special rental privileges and discounts at Silvercar and enhanced status at Relais & Châteaux hotels and resorts.

The Altitude Reserve has no foreign transaction fees. Additional authorized users will cost $75 per year.

This card is only available to people who have been a U.S. Bank customer for a minimum of 35 days prior to submitting an application. According to U.S. Bank, that’s defined as having a “Checking or Savings account, Certificate of Deposit, Mortgage, Home Equity Loan, Home Equity Line of Credit, Auto/Boat/RV Loan, Personal Loans and Lines, Private Banking account or Consumer Credit Card issued by U.S. Bank.”

The Altitude Reserve competes with other similar premium travel cards, like:

Card Quick Facts

Card Quick Facts

  • 3X points per dollar for travel and mobile wallet purchases.
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership, equivalent to $750 in travel redemptions.
  • $325 annual travel credit.
  • Application fee credit for either Global Entry ($100) or TSA Pre✓ ($85), once every four years.
  • Enhanced status at Relais & Châteaux hotels and resorts.
  • 12-month membership to Priority Pass Select for airport lounge access.
  • 12 complimentary Gogo Inflight WiFi passes per year.
  • No foreign transaction fees.
  • $400 annual fee, $75 for additional authorized users.

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Card Details



  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
  • 1X point per dollar spent on all other purchases

Introductory Bonus

  • 50,000 bonus points for spending $4,500 in the first 90 days of membership
Card Stats

Card Stats

Annual Fee $400
Additional Cards Annual Fee $75
Regular Purchase APR 17.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.99% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $325 Annual Travel Credit

    Get up to $325 in statement credits for travel expenses each year. Includes airlines, hotels, car rentals, taxis, limousines, passenger trains, and cruise lines.

  • Application Fee Credit for Global Entry or TSA Pre✓

    Get a statement credit for the application fee of either Global Entry ($100) or TSA Pre✓ ($85), once every four years.

  • Limited Priority Pass Select Membership

    A 12-month membership to Priority Pass Select airport lounges. The first four visits for the primary cardholder and one guest are free; additional visits cost $27 per person after that.

  • Complimentary Gogo Inflight WiFi

    Register your card to get 12 complimentary passes for Gogo inflight WiFi sessions per year.

  • Benefits at Relais & Chateaux Luxury Hotels

    Including room upgrades and other special privileges, like complimentary breakfasts where available and accelerated progress towards Club 5C member status.

  • Visa Infinite Luxury Hotel Collection

    Perks at participating hotels and resorts, such as room upgrades, a $25 food and beverage credit, and more.

  • Silvercar Car Rental Benefits

    Get up to 30% off for rentals of two days or more when booking with your card and using offer code VINFINITE.

  • GroundLink Black Car Service Benefits

    Get 15% off GroundLink Black Car services, plus $30 off your first ride.

  • Visa Infinite Concierge

    Call for non-emergency assistance anytime you need it, for help making travel reservations, dining arrangements, and much more.

  • The James Beard Celebrity Chef Tour Benefits

    Get perks at James Beard Celebrity Chef Tour dining events, like pre-sale ticket access and $60 off per person, per event.

  • Andrew Harper Travel Club

    A complimentary membership to the Andrew Harper Travel Club.

  • NetJets Private Aviation

    Provides complimentary flight time and aircraft upgrades from NetJets.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized account activity (contact customer support immediately if you suspect fraud).

  • Purchase Security

    Eligible purchases made completely with the card are covered against damage and theft for 90 days.

  • Return Protection

    If a merchant won’t take back an eligible item within 90 days, you can be reimbursed for up to $300.

  • Extended Warranty Protection

    Eligible manufacturer’s warranties of three years or less can be doubled by up to one additional year.

  • Warranty Manager Service

    Register your warranties to keep important information on file for easy access.

  • Travel and Emergency Assistance Services

    Call for help if you have an emergency while traveling, including help finding medical, legal, and travel services.

  • Travel Accident Insurance

    Provides coverage against accidental death and dismemberment when traveling by common carrier.

  • Emergency Evacuation and Transportation

    Provides reimbursement for covered expenses if an injury or illness results in an emergency evacuation and transportation or repatriation of remains.

  • Auto Rental Collision Damage Waiver

    Eligible rental vehicles are covered against damage and theft, when you charge the rental to your card and decline the rental company’s own insurance.

  • Roadside Dispatch

    Call 1-800-847-2869 if you need help while on the road, like a tow, locksmith, or tire change. Third party service fees apply.

  • Trip Cancellation/Trip Interruption Insurance

    Provides reimbursement for non-refundable costs if your trip is cut short or interrupted for an eligible reason.

  • Trip Delay Reimbursement

    Provides reimbursement for reasonable expenses if your flight is delayed for more than six hours or requires an overnight stay. $500 maximum per ticket.

  • Lost Luggage Reimbursement

    If a common carrier loses your luggage or its stolen, this benefit provides reimbursement for eligible checked and carry-on luggage and its contents.

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