U.S. Bank Altitude® Reserve Visa Infinite® Review
Overview
The U.S. Bank Altitude® Reserve Visa Infinite® is a category rewards card from U.S. Bank, running on the Visa network. The U.S. Bank Altitude® Reserve Visa Infinite® earns up to 3x on travel, so it pays you the most exactly where you already spend. It carries a $400 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn Not available (no longer open to new applicants).
It sits at the premium end of the market, trading a steep annual fee for lounge access, statement credits, and travel protections. That makes the decision less about the rewards rate and more about whether you will use the perks enough to come out ahead.
Think twice if: you will not use the lounge access and annual credits, or if you would rather not float a high fee and chase reimbursements every year.
Our 3.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the U.S. Bank Altitude® Reserve Visa Infinite® earns its rewards is its bonus categories: 3x on travel (about $54 a year on the $1,800 a typical household spends there). Across a full year of average household spending, the card returns roughly $328 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 10x points on prepaid hotels and car rentals booked in the U.S. Bank Travel Center
- 5x points on flights booked in the U.S. Bank Travel Center
The fine print on rates: No longer open to new applicants (closed November 2024). As of December 15, 2025, points redeem at 1 cent each toward travel (down from 1.5 cents) and the $325 annual credit applies only to U.S. Bank Travel Center bookings. Existing cardholders keep the card.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 3x on travel
- Welcome offer for new cardholders
- No foreign transaction fees
- Annual statement credits offset the cost
- $400 annual fee to earn back every year
- Generally needs good to excellent credit to qualify
The welcome bonus
The current welcome offer is Not available (no longer open to new applicants). Stacking the welcome offer on top of a typical year of rewards and accounting for the $400 annual fee, the first year is worth roughly $-72.
Is the annual fee worth it?
To come out ahead on the U.S. Bank Altitude® Reserve Visa Infinite® you need to clear its $400 annual fee. On typical spending it earns about $328 a year in rewards, and it carries up to $445 in statement credits. For anyone who spends in its categories, the fee is easy to justify.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- $325 annual travel credit toward U.S. Bank Travel Center bookings
- Complimentary Priority Pass Select with 8 airport lounge visits per year
- Up to $120 Global Entry or TSA PreCheck application fee credit (once every 4 years)
- Points redeem at 1 cent each toward travel via Real-Time Rewards
- Visa Infinite travel and purchase protections
- No foreign transaction fees
- No longer open to new applicants
Lounge access
This card includes airport lounge access. Here is exactly what you get, including the Priority Pass distinctions that vary by card:
- Complimentary Priority Pass™ Select membership with 8 visits per membership year; guests count toward the 8-visit allowance, then $35 per person
Statement credits
- $325 annual travel credit (U.S. Bank Travel Center bookings)
- Up to $120 Global Entry or TSA PreCheck application fee credit (once every 4 years)
Who should get it, and who should skip it
It is best for frequent travelers who will actually use the lounge access and annual credits. If you will not, a cheaper card leaves you further ahead.
Skip it if you will not use the lounge access and annual credits, or if you would rather not float a high fee and chase reimbursements every year.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
