US Bank Altitude Reserve Visa Infinite® Card
in Personal Credit Cards from US Bank
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| Purchase APR (Variable APR) | 16.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 16.99% - 23.99% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $400 |
US Bank Altitude Reserve Visa Infinite® Card Review
This is a rewards credit card issued by US Bank. If you're wondering whether US Bank Altitude Reserve Visa Infinite® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- Generous reward rate. You will get a rewards rate of up to 3x.
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,500 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. US Bank Altitude Reserve Visa Infinite® Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
- 3% Balance transfer fee. US Bank Altitude Reserve Visa Infinite® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of US Bank Altitude Reserve Visa Infinite® Card
| The Good | The Bad |
|---|---|
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US Bank Altitude Reserve Visa Infinite® Card FAQ
Does US Bank Altitude Reserve Visa Infinite® Card have a cash back or rewards program?
US Bank Altitude Reserve Visa Infinite® Card is a travel rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 50000 |
| Signup Bonus Spend Requirement | $4500 |
| Signup Bonus Spend Period (months) | 3 months |
Does US Bank Altitude Reserve Visa Infinite® Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4500 that can be redeemed for travel, gifts, or other perks.Does US Bank Altitude Reserve Visa Infinite® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the US Bank Altitude Reserve Visa Infinite® Card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for US Bank Altitude Reserve Visa Infinite® Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.It has a variable purchase APR that ranges from 16.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 25.99% .
Does US Bank Altitude Reserve Visa Infinite® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does US Bank Altitude Reserve Visa Infinite® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for US Bank Altitude Reserve Visa Infinite® Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $400 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does US Bank Altitude Reserve Visa Infinite® Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for US Bank Altitude Reserve Visa Infinite® Card?
The US Bank Altitude Reserve Visa Infinite® Card customer service number is (800) 872-2657.
What is the support contact email for US Bank Altitude Reserve Visa Infinite® Card?
The support contact email for US Bank Altitude Reserve Visa Infinite® Card is customer.support@usbank.com.
Does US Bank Altitude Reserve Visa Infinite® Card report your account activity to credit bureaus?
Yes, US Bank Altitude Reserve Visa Infinite® Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for US Bank Altitude Reserve Visa Infinite® Card
- Visit the US Bank Altitude Reserve Visa Infinite® Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - (800) 872-2657
- Visit Site
- Email Support
Other Services by US Bank
View all personal credit cards offered by US Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $400 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $40 |
| Additional Card Fee Amount | $75 |
| Late Fee Amount | Up to $40 |
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