Altitude Reserve Visa Infinite
US Bank$400 a yearVisa InfiniteNo foreign transaction fee
Not open to new applicants.
Already have it? A lower-fee card in the same family may suit you better.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$20 |
| Credits you'll likely useof $355 face value | +$206 |
| Annual fee | −$400 |
| First year | −$174 |
| Each year after | +$146 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Travel | 3% |
| 5X | Flights booked through US Bank Travel Center | 5% |
| 10X | Hotels booked through US Bank Travel Center | 10% |
| 10X | Car rentals booked through US Bank Travel Center | 10% |
| 1X | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 3X | Mobile Walletup to $5,000 per billing cycle, then 1X | 3% |
Noteworthy perks
- US Bank Travel$325 a year
- Priority Pass Select
- National Emerald Club Executive (enrollment required)
- Global Entry/TSA PreCheck$30 a year
Personal card · Earns US Bank Altitude Points · Authorized user fee $0
Benefits
Credits & Perks (2)
- US Bank Travel: $325 (Annual Cardmember Year)
Only for travel booked through US Bank Travel Center (powered by Booking.com). Effective December 15, 2025. Previously usable for any travel and dining purchases made directly with merchants.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (1)
- Priority Pass Select (8 visits/year): paid guests allowed
Elite status (2)
- Avis Preferred: Preferred Plus
- National Emerald Club: Executive
Protections (9)
- Travel Accident Insurance, up to $500,000, Provides up to $500,000 in accidental death or dismemberment insurance while traveling on a common carrier when the entire fare is charged to your card.
- Trip Cancellation/Interruption, up to $2,000, Up to $2,000 per insured person for non-refundable common carrier transportation tickets only (does not cover hotel accommodations or non-transportation travel). Pay for the entire trip cost with your card to be eligible.
- Trip Delay, up to $500, Up to $500 per ticket for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for a portion of your trip with your card to be eligible for this benefit.
- Emergency Evacuation, up to $10,000, Coverage for emergency medical evacuation costs up to $10,000. Pay for a portion of your trip with your card to be eligible for this benefit.
- Purchase Protection, up to $10,000, 90 days coverage for damage/theft
- Extended Warranty, up to $10,000, Adds up to 12 months to existing warranties
- Return Protection, up to $300, Up to $300 per item when store won't accept return
- Auto Rental Collision Damage Waiver (primary), Primary coverage for collision damage and theft. Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Israel, Jamaica, the Republic of Ireland, Northern Ireland.
Other Perks
- Points worth 1.0 cents each when redeemed for travel, Real-Time Mobile Rewards, or deposit to a US Bank checking/savings account (effective December 15, 2025). Transfers are available to Altitude Reserve cardholders only, to Air France KLM Flying Blue, Avianca LifeMiles, and Ethiopian Airlines ShebaMiles at 1:1 and ALL Accor at 2:1. Qantas Frequent Flyer was removed as a transfer partner on 08/12/26, fewer than 24 hours after the transfer program launched; Air France KLM Flying Blue was removed at the same time and restored on 08/17/26.
The US Bank Altitude family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Altitude ReserveOct 8, 2026