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

U.S. Bank Visa Infinite Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: altitude-reserve-visa-infinite-card

Issuer: U.S. Bank

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

Card Type: Credit

Network: Visa

Card Tier: Infinite

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:31

Last Scraped: Jan 15, 2026 08:11

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Travel, 3x Mobile Wallet (Apple Pay, Google Pay, Samsung Pay, etc.)

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1.5x

Transfer Partners: None

Redemption Penalties: No specific penalties; minimum redemption amounts may apply for Real-Time Rewards (e.g., $10-$20).

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Sign-Up Bonus
PENDING

50,000

Points/Miles

Requirement: Spend $4,500 in 90 days

Timing: Points typically post within 1-2 billing cycles after the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $400.00
Year 1 Waived: No
Effective Annual Fee: $75.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
760 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: For 2026, U.S. Bank maintains its conservative application policies for the Altitude Reserve Visa Infinite Card. Key eligibility requirements include: 1) **U.S. Bank 2/12 Rule**: Applicants must not have opened more than two new personal U.S. Bank credit cards within the past 12 months. 2) **Existing Relationship**: A strong, active banking relationship with U.S. Bank (e.g., checking or savings account with direct deposit or significant balances) is highly preferred and often a de facto requirement for approval, especially for premium cards like the Altitude Reserve. 3) **Credit Score**: An excellent credit score (typically 750+ FICO) is required. 4) **Income**: Sufficient income to support the high credit limit associated with a Visa Infinite card. 5) **Bonus Eligibility**: The sign-up bonus is generally available once per lifetime for this specific product. 6) **Recent Inquiries**: U.S. Bank is sensitive to a high number of recent credit inquiries from any issuer.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across U.S. Bank products, rapid application for multiple cards (even within issuer rules if deemed excessive), unusual spending patterns inconsistent with income/profile, frequent abuse of card benefits (e.g., travel credits, lounge access), payment defaults, or suspected fraud.

Cliff Effect Rules: The sign-up bonus for the Altitude Reserve Visa Infinite Card is typically a 'once per lifetime' offer. This means if you have previously held the card and received the bonus, you are generally ineligible to receive it again upon re-application or product change.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Excellent value for mobile wallet spending (3x points, effectively 4.5% back on travel). Generous and easy-to-use $325 annual travel/dining credit. Real-time rewards redemption offers great flexibility. Includes Priority Pass Select membership and TSA PreCheck/Global Entry credit. No foreign transaction fees.

Top Negative:
High annual fee ($400) requires active use of benefits to offset. Often requires an existing U.S. Bank banking relationship for approval. Mobile wallet spending requirement might not suit all users. Limited transfer partners compared to other premium cards. Priority Pass access is limited to 8 visits per year.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Sapphire Reserve
  • Capital One Venture X Rewards Credit Card
  • The Platinum Card from American Express

Card Value Score: 88.0 / 100

Est. Annual Rewards: $1,150.00

Approval Probability: 45.0%

Version Control
PENDING

Version ID: v1.0