US Bank Altitude Reserve Visa Infinite® Card Review

US Bank Altitude Reserve Visa Infinite® Card 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 is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.49%
• 3% Balance transfer fee. US Bank Altitude Reserve Visa Infinite® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.

US Bank Altitude Reserve Visa Infinite® Card Pros and Cons:

The Good

The Bad

Complimentary 12-month Priority Pass Select membership to more than 1,200 VIP lounges worldwide Up to $100 statement credit to reimburse your application fee once every four years Stay connected with 12 complimentary Gogo® Inflight Wi-Fi passes per year Up to $325 annual statement credits Multiple credit card perks. Airline Credit. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty and price protection on purchases. Free access to your credit score. Global Entry / TSA Precheck Fee Credit. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. US Bank Altitude Reserve Visa Infinite® Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

There is a high annual fee of $400 and $75 for additional card fee to consider when applying this card. Higher than average purchase APRs. Requires good to excellent credit. Charges an annual fee of $400 Charges a 3% balance transfer fee.

Is there a US Bank Altitude Reserve Visa Infinite® Card cash back or rewards program?

US Bank Altitude Reserve Visa Infinite® Card offers a rewards program to its customers.

US Bank Altitude Reserve Visa Infinite® Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	3%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$4500
Signup Bonus Spend Period (months)	3 months

What are the US Bank Altitude Reserve Visa Infinite® Card benefits?

US Bank Altitude Reserve Visa Infinite® Card 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
• ID Theft Protection
• 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Altitude Reserve Visa Infinite® Card has higher than average purchase APRs.

US Bank Altitude Reserve Visa Infinite® Card has a variable purchase APR of 17.49%. The card has a variable balance transfer APR of 17.49% . It also has a variable cash advance APR of 25.74% .

What are the US Bank Altitude Reserve Visa Infinite® Card fees?

The following fees apply to US Bank Altitude Reserve Visa Infinite® Card:

• There is no overlimit fee

US Bank Altitude Reserve Visa Infinite® Card Fees

Fees	Amount
Annual Fee	$400
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $35
Late Payment Fee	up to $39

Does US Bank Altitude Reserve Visa Infinite® Card report your account activity to credit bureaus?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.