U.S. Bank Altitude® Reserve Visa Infinite® Card

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Last Updated on December 31, 2020

9.4Expert Score
U.S. Bank Altitude® Reserve Visa Infinite® Card
$325 Annual Travel Credit, Free WiFi and Lounge Access Create Great Value
  • Priority Pass™ Select membership (estimated $411 value when considering guest access)
  • $325 annual travel credit
  • Estimated 1.87% purchase yield
  • No Foreign Transaction Fees
  • 3X points on mobile wallet payments
  • Priority Pass™ has lost some of its luster (users have reported challenges in accessing lounges at peak times)
  • $400 annual fee (plus $75 for each authorized user)

The U.S. Bank Altitude® Reserve Visa Infinite® Card is an exclusive card offered to existing customers of U.S. Bank (checking, savings, loan or existing credit card account required).

The Visa Infinite® level credit card features a strong estimated purchase yield , especially when utilizing mobile wallet payment functionality along with a decent introductory bonus offer (currently 50,000 bonus points worth $750 in travel) and ongoing annual travel credits (up to $325 annually).  Additionally, this credit card offers a limited Priority Pass Select membership (4 lounge access passes plus 4 guest passes, each year), 12 complimentary Gogo® Inflight Wi-Fi passes per year plus up to $100 in statement credits every 4 years for TSA Pre or Global Entry charges.

Objectively, this card offers an incredible value, assuming you are a frequent traveler and are able to use the lounge passes and wifi and Gogo® Inflight Wi-Fi passes.  We estimate, assuming annual card purchases of $15,000, a return of $1,638 in year 1 and $813 every year thereafter.

This value can increase even more if you use mobile wallet.  Currently, the card offers 3x points on mobile wallet purchases, regardless of merchant.

It is important to note that a meaningful portion of the value of this card (approximately $411) is in the form of a Priority Pass™ Select membership (a global, virtual airport lounge network – advertising access to over 1,300 partner lounges across 600 cities in 148 countries around the world). Unfortunately, Priority Pass™ has lost some of its luster over the past few years as many users have reported being denied access to affiliated lounges at airports worldwide, especially during peak hours.  Without the membership considered, the value that this card offers is still above average, especially given the $325 in annual travel credits, the WIFI vouchers, the TSA Pre credit and estimated purchase yield of 1.87%.

If you are considering this card, we encourage you to learn more about Priority Pass™ including its many benefits and some of the challenges encountered by fellow travelers.  If you are an existing fan of Priority Pass™ or travel to cities not often impacted by access denials, then this card is very much worth considering.


Issuer & Payment Network


U.S. Bank

Payment Network


Network Benefit Level

Visa Infinite

Estimated Purchase Yield

Estimated Purchase Yield



Assumes points are redemed for travel and assumes average spending distribution (triple rate applied to travel and dining out)

Bonus Offers

Bonus Offer Value


Bonus Offer

50,000 bonus points (requires $4,500 in new purchases within first 3 months) plus up to $325 in annual travel credit (applied as a statement credit) plus a $100 statement credit (once every 4 years) for TSA Pre or Global Entry plus 12 complimentary Gogo® inflight Wi-Fi passes per year.

Ongoing Bonuses

$325 in annual travel credit (applied as a statement credit) upon each anniversary year and $100 toward Global Entry or TSA Pre every 4 years plus 12 complimentary Gogo® inflight Wi-Fi passes per year.

Estimated Annual Card Value

Yr 1 @ $5k in Purchases


Yr 1 @ $15k in Purchases


Yr 1 @ $30k in Purchases


Yr 2+ @ $5k in Purchases


Yr 2+ @ $15k in Purchases


Yr 2+ @ $30k in Purchases


Valuation Notes

Bonus value (including ongoing bonuses for years 2+) plus value of rewards for stated annual purchasing level. Less any annual fee. Plus value of Priority Pass™ Select Membership calculatd at the current

Airport Lounge Access

Lounge Access?

Yes (4 Standard Passes + 4 Guest Passes each year, $39 per-person, each visit thereafter)

Lounge Network

Priority Pass™


$39 each guest, each visit once the 4 passes granted each year are exhausted.

Access Restrictions

Food and drink limitations apply at some lounges (refer https://d2llguf9uoxb71.cloudfront.net/pp/pdf/Lounge_Directory.pdf for information by lounge)

Reward Points

Do Points Expire?

No (as long as the account remains open)

Redemption Options

Travel (booked via rewards site), Merchandise, Gift Cards and Statement Credits

Can Points Be Transferred?


Fees & APRs

Annual Fee

$400 + $75 for each additional authorized user

Foreign Transaction Fees


Late Payment Fee


APR - Intro (Purchases)

No Current Standard Intro Offers

APR - Intro (Balance Transfers)

No Current Standard Intro Offers

APR - Cash Advance

24.49% + $10 or 4% (whichever is greater)

APR - Regular (Purchases)


APR - Regular (Balance Transfers)

16.24% + $5 or 3% (whichever is greater)

Grace Period

24 Days

Protections & Services

Zero Liability Protection


Purchase Protection

Yes, covers your new purchases up to 90 days, $10,000 per claim and $50,000 maximum per cardmember.

Extended Warranty Protection

Extended Warranty Protection will extend the time period of coverage to your existing U.S. manufacturer’s warranty by one additional year on eligible warranties of three years or less. There is a per claim maximum of $10,000 and a per cardmember maximum of $50,000.

Trip Cancellation / Interruption

When you purchase your travel ticket with your covered U.S. Bank Altitude® Reserve Visa Infinite® Card and you must cancel or interrupt your trip, this benefit can help reimburse you for the non-refundable cost of your passenger fare. This coverage applies to more than air travel – it also can be in place when you have used your covered U.S. Bank Altitude Reserve Visa Infinite Card to purchase your ticket for travel via other forms of eligible transportation, such as a ferry, train, bus or cruise ship. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling.

Auto Rental Collision Damage Waiver

Yes, primary (for "covered vehicle"). You’re covered for physical damage and theft, reasonable and customary towing and valid loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.

Other Items

Recommended Credit Level

Very Good+ (FICO Score: 740-850)

Link to Issuer Website


Date Information Confirmed

December 26, 2020

U.S. Bank Altitude® Reserve Visa Infinite® Card
U.S. Bank Altitude® Reserve Visa Infinite® Card
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