U.S. Bank Altitude Reserve Visa Infinite Card
$400 annual fee · $355/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | uncapped |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best travel cards.
Statement credits — $355/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual travel/dining statement credit | $325/year | annual · resets on your card anniversary |
| Global Entry / TSA PreCheck application fee credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Priority Pass Select membership with 8 complimentary lounge visits per cardmember year (~$35 per additional visit)
- Visa Infinite travel and emergency assistance services
- Auto rental collision damage waiver (primary)
- Lost luggage reimbursement
- Trip cancellation/interruption protection
- Airline and hotel transfer partners added August 2026 despite the card being closed to new applicants
Does the fee earn out? · how we got this
The $400 fee minus $355 in printed credits leaves $45/yr to earn back through rewards — roughly $1,500 of travel spending at 3x (valuing U.S. Bank points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $400 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. three things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants. It stays published because people still hold it — and because it is a product-change destination, not because it can be applied for.
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who won't work the statement credits. The $400 fee is argued for by $355 of printed credits, spread across 2 separate credits. Each one only pays if you were going to spend that way anyway; ignore them and the whole $400 has to come back through earn rates instead.
Don't want the fee any more?
U.S. Bank Altitude Reserve Visa Infinite Card can normally be product-changed to two lower-fee cards in the U.S. Bank Altitude family instead of being closed — which keeps the account, its age and its credit line.
What does U.S. Bank Altitude Reserve Visa Infinite Card downgrade to? →
Comparing cards in the same currency? See the best cards that earn U.S. Bank points →
More from U.S. Bank
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.usbank.com. This card is closed to new applicants. Spot an error? Tell us.