U.S. Bank Altitude Reserve Visa Infinite
$400/yr
U.S. Bank
U.S. Bank Altitude Reserve Visa Infinite
4.3
(432 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026U.S. Bank's premium card stands out for mobile-first users — pay with Apple Pay or Google Pay and earn 3x points on every tap. The $325 annual travel and dining credit effectively brings the $400 fee down to $75. For customers already using U.S. Bank, this card offers exceptional value especially if you use mobile payments frequently.
Annual Fee
$400
Purchase APR
22.24% – 29.24%
Rewards
1x base rate
Sign-Up Bonus
$750 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The U.S. Bank Altitude Reserve Visa Infinite is best suited for experienced cardholders who mobile payment users wanting premium travel perks. The $400 annual fee pays for itself if you spend $40,000+/year on this card.
This card is great if you…
- 3x on mobile wallet payments
- $325 annual credit offsets most of fee
- Priority Pass access
- Mobile payment users wanting premium travel perks
Consider another card if you…
- $400 annual fee
- U.S. Bank not as widely available
- Best value requires mobile wallet use
- You prefer no annual fee or a lower-fee alternative
Rewards Breakdown
5x mobile wallet & prepaid cards via Altitude Rewards, 3x travel & mobile wallet, 1x everything else
| Category | Rate |
|---|---|
| Travel (booked via Altitude) | 5x |
| Dining | 5x |
| Travel purchases | 3x |
| Mobile wallet (Apple Pay/Google Pay) | 3x |
| Everything else | 1x |
Rewards Distribution
5x
top rate
Travel (booked via Altitude)5x29%
Dining5x29%
Travel purchases3x18%
Mobile wallet (Apple Pay/Google Pay)3x18%
Everything else1x6%
Sign-Up Bonus
50,000 points after spending $4,500 in 3 months
Fees & APR
| Annual Fee | $400 |
| Purchase APR | 22.24% – 29.24% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $41 |
Pros & Cons
3x on mobile wallet payments
$325 annual credit offsets most of fee
Priority Pass access
5x on travel via portal
Real-Time Rewards flexibility
$400 annual fee
U.S. Bank not as widely available
Best value requires mobile wallet use
The Bottom Line
The Good: The U.S. Bank Altitude Reserve Visa Infinite stands out for its 3x on mobile wallet payments. The welcome bonus worth $750 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $400 annual fee. The $400 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the U.S. Bank Altitude Reserve Visa Infinite is one of our top-rated cards in its category. Make sure you'll earn at least $400 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the U.S. Bank Altitude Reserve Visa Infinite?▾
The U.S. Bank Altitude Reserve Visa Infinite has a $400 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the U.S. Bank Altitude Reserve Visa Infinite?▾
The U.S. Bank Altitude Reserve Visa Infinite currently offers a sign-up bonus worth approximately $750. 50,000 points after spending $4,500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the U.S. Bank Altitude Reserve Visa Infinite?▾
The U.S. Bank Altitude Reserve Visa Infinite earns 1x points on all purchases, and up to 5x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the U.S. Bank Altitude Reserve Visa Infinite?▾
The U.S. Bank Altitude Reserve Visa Infinite is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the U.S. Bank Altitude Reserve Visa Infinite charge a foreign transaction fee?▾
No — the U.S. Bank Altitude Reserve Visa Infinite has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the U.S. Bank Altitude Reserve Visa Infinite?▾
The U.S. Bank Altitude Reserve Visa Infinite has a variable purchase APR of 22.24% – 29.24%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the U.S. Bank Altitude Reserve Visa Infinite best for?▾
The U.S. Bank Altitude Reserve Visa Infinite is best for Mobile payment users wanting premium travel perks. A key advantage: 3x on mobile wallet payments.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $400
Spend at least $3,334/mo for the rewards to cover the $400 annual fee.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.3
432 reviews
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