U.S. Bank Altitude Reserve Visa Infinite Review
U.S. Bank · Mobile payment users wanting premium travel perks
4.3 / 5 (432 reviews)
Annual Fee
$400
Rewards
5x mobile wallet & prepaid cards via Altitude Rewards, 3x travel & mobile wallet, 1x everything else
Regular APR
22.24% – 29.24%
Credit Needed
Excellent (750+)
Our Expert Verdict
8/10
Editor's Score
U.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.
Pros
- 3x on mobile wallet payments
- $325 annual credit offsets most of fee
- Priority Pass access
- 5x on travel via portal
- Real-Time Rewards flexibility
Cons
- $400 annual fee
- U.S. Bank not as widely available
- Best value requires mobile wallet use
Sign-Up Bonus
50,000 points after spending $4,500 in 3 months
Key Benefits & Perks
$325 annual travel and dining credit
Priority Pass Select with 12 free visits/year
Global Entry / TSA PreCheck credit
No foreign transaction fees
Visa Infinite travel benefits
Real-Time Rewards (use points like cash at merchants)
Rewards Breakdown
| Category | Rate |
|---|---|
| Travel (booked via Altitude) | 5x |
| Dining | 5x |
| Travel purchases | 3x |
| Mobile wallet (Apple Pay/Google Pay) | 3x |
| Everything else | 1x |
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Customer Reviews
4.3
432 reviews
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