U.S. Bank Altitude Reserve Visa Infinite
Best for: Mobile-wallet-first spenders who want premium travel perks
Pros
- The travel credit covers a good chunk of the fee
- Lets you into lounges
- Earns well on mobile-wallet purchases
Cons
- Steep annual fee
- You may need an existing U.S. Bank relationship
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
U.S. Bank Altitude Reserve Visa Infinite at a glance
| Issuer | U.S. Bank |
| Card network | Visa |
| Annual fee | $400 |
| Rewards rate | 3x on travel and mobile-wallet purchases, 1x other; points worth 1.5¢ toward travel |
| Welcome bonus | Points after the minimum spend |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Excellent (740+) |
| Airport lounge access | Yes |
| Best for | Mobile-wallet-first spenders who want premium travel perks |
Rewards & perks
- $325 credit for travel and dining
- Priority Pass
- Covers Global Entry or TSA enrollment
Pros
- The travel credit covers a good chunk of the fee
- Lets you into lounges
- Earns well on mobile-wallet purchases
Cons
- Steep annual fee
- You may need an existing U.S. Bank relationship
Who should apply
- An excellent credit score
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official U.S. Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
U.S. Bank Altitude Reserve Visa InfiniteMobile-wallet-first spenders who want premium travel perks |
$400/yr | 3x on travel and mobile-wallet purchases, 1x other; points worth 1.5¢… | None | None | Excellent (740+) | |
Capital One Venture X RewardsTravelers wanting premium perks at a lower net cost |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x ev… | None | None | Excellent (740+) | |
The Platinum Card from American ExpressFrequent flyers who'll exhaust the lounge access and statement credits |
$895/yr | 5x flights booked with airlines or Amex Travel; 5x prepaid hotels via… | None | None | Excellent (740+) | |
Bilt Palladium CardRenters and homeowners with high housing costs who want premium perks |
$495/yr | 2x points on everyday spend plus 4% back in Bilt Cash; points on rent… | 10.00% intro APR on new purchases for first 12 months | None | Good to Excellent (typical for… | — |
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