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  US Bank Altitude Reserve Visa Infinite® Card

US Bank Altitude Reserve Visa Infinite® Card

in Personal Credit Cards from US Bank

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US Bank Altitude Reserve Visa Infinite® Card

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in Personal Credit Cards from US Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.49%
Credit Score Range 750 - 850
Annual Fee $400
Purchase APR  (Variable APR) 17.49%

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.

  • 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.
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.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • US Bank Altitude Reserve Visa Infinite® Card reports to multiple credit bureaus.
  • Airline Credit.
  • Cardholders can earn rewards on their purchases.
  • 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.
  • 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 up to $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

Does US Bank Altitude Reserve Visa Infinite® Card have a signup bonus?

US Bank Altitude Reserve Visa Infinite® 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?

US Bank Altitude Reserve Visa Infinite® Card doesn't offer a cash loyalty bonus.

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% .

Does US Bank Altitude Reserve Visa Infinite® Card have an introductory APR offer on balance transfers??

No, US Bank Altitude Reserve Visa Infinite® Card does not come with an introductory APR offer for balance transfers.

Does US Bank Altitude Reserve Visa Infinite® Card have an introductory APR offer on new purchases??

US Bank Altitude Reserve Visa Infinite® Card does not offer an introductory rate on new purchases.

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 up to $400
Overlimit Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $35
Late Payment Fee up to $39

Does US Bank Altitude Reserve Visa Infinite® Card have a foreign transaction fee?

US Bank Altitude Reserve Visa Infinite® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

Car Rentals (Points) Starting at 3
Airfare (Points) 3
Every Purchase (Points) Earn 3X Points on travel and mobile wallet purchases. Earn 1X point per $1 spent on all other eligible net purchases
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 $5
Cash Advance Fee (%) 3% - 4%
Minimum Cash Advance Fee ($) $5 - $10
Annual Fee $400
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Additional Card Fee Amount $75
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Airline Credit
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Free FICO Score  
Bonus Rewards Earn 50,000 bonus points worth $750 in travel redemption, just spend $4,500 in eligible Net Purchases within the first 90 days of account opening
Annual Airline Credit Up to $325
No Blackout Dates  
Rewards Categories
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Travel
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 17.49%
Balance Transfer APR (Variable APR) 17.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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