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Card Economics
- Annual Fee
- $400
- Ongoing Annual Value
- $322
- First-Year Value Estimate
- N/A
- Net Value
- −$78
Card type: PersonalForeign transaction fee: NoneCurrency: US Bank Altitude PointsAU fee: $0
Altitude Reserve Visa Infinite
NOT OPEN TO APPLICATIONS
Only reachable by changing a card you already hold with this issuer.
Earning Structure
10XCar rentals booked through US Bank Travel Center10%
10XHotels booked through US Bank Travel Center10%
5XFlights booked through US Bank Travel Center5%
3XMobile Wallet3%
3XTravel3%
1XAll other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?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.
