LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

U.S. Bank Altitude Reserve Visa Infinite Card Review

U.S. BankVisaTravel

U.S. Bank Altitude Reserve Visa Infinite Card earned 4.6 / 5 in our 2026 review. The U.S. Bank Altitude Reserve Visa Infinite Card earns 5x on real time rewards travel dining with a $400 annual fee, a 50,000 points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
U.S. Bank Altitude Reserve Visa Infinite Card credit card
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TL;DR
Annual fee
$400
Signup bonus
$750
Top reward rate
5x on real time rewards travel dining
Intro APR
None
Issuer
U.S. Bank
Network
Visa
Min credit score
720
Fintiex rating
4.6 / 5
Pros
  • +5x points on prepaid hotels and car rentals via the Rewards Center
  • +3x points on eligible travel and mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay)
  • +Real-Time Rewards: automatically redeem points for travel and dining purchases at a higher value
  • +$325 annual travel credit for travel and dining purchases
  • +12 Priority Pass Select lounge visits per year
  • +Global Entry or TSA PreCheck credit (up to $100)
  • +Complimentary Silvercar discount (25% off Audi rentals)
  • +No foreign transaction fees
  • +Visa Infinite benefits including concierge service
  • +Points do not expire as long as account is open
Cons
  • -$400 annual fee
  • -Must bank with U.S. Bank to apply (existing customer requirement strongly preferred)
  • -Mobile wallet 3x cap can be complex to maximize
  • -Lounge access limited to 12 visits per year via Priority Pass
  • -Points best redeemed through Real-Time Rewards or Rewards Center
  • -No airline or hotel transfer partners

Rewards detail

real time rewards travel dining
5x
mobile wallet apple pay google pay samsung pay
3x
travel
3x
everything else
1x

Fintiex values U.S. Bank points at about 1.50 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$400
Purchase APR
22.24% to 29.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
22.24% to 29.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Altitude Reserve Visa Infinite Card is built for people who want a travel card. Most approvals land at FICO 720 and above, but issuers prefer scores near 750. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the Altitude Reserve Visa Infinite Card have a foreign transaction fee?
No. The U.S. Bank Altitude Reserve Visa Infinite Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Altitude Reserve Visa Infinite Card?
Approvals typically start around a FICO score of 720, but U.S. Bank prefers 750 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Altitude Reserve Visa Infinite Card signup bonus?
New cardholders earn 50,000 points after spending $4,500 in the first few months. Fintiex values that at about $750 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Altitude Reserve Visa Infinite Card have a 0% intro APR offer?
No. The U.S. Bank Altitude Reserve Visa Infinite Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 22.24% to 29.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Altitude Reserve Visa Infinite Card?
$400 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Altitude Reserve Visa Infinite Card worth it?
Fintiex rates the U.S. Bank Altitude Reserve Visa Infinite Card 4.6 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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