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โœˆ Lounge Access Available

Priority Pass Select membership with complimentary visits

Annual fee $400
โ˜…โ˜…โ˜…โ˜…โ˜… 4.4How we rate

Reviewed by the editorial team

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U.S. Bank ยท Visa

U.S. Bank Altitude Reserve Visa Infinite

โœˆ Lounge Access Available โ˜… 3x travel & mobile wallet Premium & Luxury Travel Rewards Points & Rewards

A niche premium pick that rewards mobile-wallet spending at an elevated rate, so it shines only if you tap to pay nearly everywhere; swipe a lot and you lose its edge. At $400 a year (as of 2026) the annual travel credit offsets much of the fee, and points redeem at a strong rate toward travel. It's harder to get than most (U.S. Bank relationship often expected) and lounge access is narrower than the Amex Platinum's. Confirm credit and redemption terms on usbank.com.

โŸณ Rates & fees verified June 2026 โ€” always confirm the current terms on the issuer's official site before applying.

Annual fee
$400
Rewards rate
3x on travel and mobile-wallet purchases, 1x other; points worth 1.5ยข toward travel
Welcome bonus
Points after the minimum spend
Intro APR
None
Regular APR
See terms
Foreign transaction fee
None
Recommended credit
Excellent (740+)
Best for
Mobile-wallet-first spenders who want premium travel perks

What you earn

  • โœ“$325 credit for travel and dining
  • โœ“Priority Pass
  • โœ“Covers Global Entry or TSA enrollment

๐Ÿ‘ Pros

  • + The travel credit covers a good chunk of the fee
  • + Lets you into lounges
  • + Earns well on mobile-wallet purchases

๐Ÿ‘Ž Cons

  • โ€“ Steep annual fee
  • โ€“ You may need an existing U.S. Bank relationship

Can you get it?

  • โ–ธAn excellent credit score

Requirements are general guidance โ€” the issuer makes the final decision. Learn more about card requirements โ†’

Decided on the U.S. Bank Altitude Reserve Visa Infinite?

Finish your application on U.S. Bank's own secure site.

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Stop guessing. Put the cards side by side.

Line up fees, rewards, intro APR and lounge perks in one table โ€” then apply on the issuer's official site with your eyes open.