U.S. Bank Altitude® Reserve Visa Infinite® Card
Basic Information
Program ID: altitude-reserve-visa-infinite-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Infinite
Data Complete: Yes
Created: 01/07/2026 18:31
Last Scraped: 01/15/2026 08:11
Fee Structure
| Annual Fee: | $400.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $75.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $4,500.00
Time Period: 90 days
Bonus Timing: Points typically post within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Travel, 3x Mobile Wallet (Apple Pay, Google Pay, Samsung Pay, etc.)
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 760 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 4
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 45.0%
Terms Version Control
Version ID: v1.0