5X points3

on prepaid hotels and car rentals booked directly in the Altitude Rewards Center

3X points3

on eligible travel purchases and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay; 1X point on all other eligible purchases

Up to $3254

in annual credits for eligible travel purchases and dining, takeout and restaurant delivery purchases

Additional Benefits

No foreign transaction fees

Enjoy no foreign transaction fees when making purchases outside the United States.

Airport lounge access

Complimentary Priority Pass™ Select membership gives you 8 free visits to over 1,500 airport VIP lounges and experiences worldwide.5

Pay over time with a U.S. Bank ExtendPay® Plan.6

Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.6

Visa Infinite® Luxury Hotel Collection

Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious properties.7

TSA PreCheck® or Global Entry®

Enjoy up to $100 in statement credits to reimburse your application fee once every four years.8

Protection at home and away

Gain peace of mind 24/7 with fraud monitoring, shopping protection, and assistance while traveling with trip delays, cancellations, interruptions and more.9

ID Navigator Powered by NortonLifeLock™

Get tools to help keep you informed of threats that may affect your identity.10

World class service

Experience elevated service levels 24/7 with dedicated service advisors and Visa Infinite Concierge.11

Apply now

Awards and Accolades for Altitude Reserve

WalletHub

Best Travel Credit Card

WalletHub's 2023

Best International Travel Credit Card

WalletHub’s 2023

Best No Foreign Transaction Fee Credit Card

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Woman shopping her Altitude® Reserve Visa Infinite® Card, the metal credit card from U.S. Bank

Earn 3X points with your mobile wallet purchases.

With accelerated point earning, every purchase gets you closer to your next getaway.

  • An industry-leading 3X points on eligible mobile wallet purchases using Apple Pay®, Google Pay™ and Samsung Pay
  • 3X points on eligible travel purchases
Apply now

Rewards calculator

See how fast your points add up.

Enter your estimated monthly spend below and your potential points will be calculated automatically.

Frequently Asked Questions

U.S. Bank credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range.

With the Altitude Reserve Card, you can earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center,3 3X points on eligible travel purchases and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay and 1X on all other eligible purchases. In addition, you can earn up to $325 in annual statement credit(s) for eligible travel purchases and dining purchases.4 Plus, points are worth 50% more when redeemed for travel.

Yes, the annual fee is $400.*

You can get up to $325 in annual credits through reimbursement of eligible travel purchases and dining, takeout and restaurant delivery purchases.4

You will earn 3X points for every $1 spent when you pay with your mobile wallet using Apple Pay®, Google Pay™, and Samsung Pay

Cardmembers can redeem points for travel, gift cards, merchandise, live events, cash back,12 magazines and more. Redeeming points is quick and easy. Choose any of the following:

  • Visit the Rewards Center found in online banking at usbank.com.
  • Log in to the U.S. Bank Mobile App, select your Altitude Reserve account and choose Redeem or View my rewards.
  • Call the 24-hour Rewards Center at 844-357-2015.

Points never expire on your Altitude Reserve Card.

U.S. Bank ExtendPay® plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

Yes. Your Altitude Reserve Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional points while shopping online at over 1,100 stores using your credit card.

Once enrolled:

  • Log in at usbank.com.
  • Select Shopping Deals in the Rewards Center and start shopping.

By using the Rewards Center Shopping Deals on your Altitude Reserve Card, you will be able to earn more points by shopping online. Earn points on your credit card purchases and then earn additional points by shopping through the Rewards Center Shopping Deals.

Yes. Your Altitude Reserve Card is eligible for Real-Time Rewards after you register your card. With Real-Time Rewards, shop nearly anywhere and redeem points instantly for your purchases from your mobile device.

Once enrolled, redemption is quick and easy. Make a purchase and you will receive a text asking if you want to use points to redeem immediately. Reply “REDEEM” to complete the redemption. You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your points balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

Looking for a credit card with different benefits?

Compare all credit cards.

Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.
 

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

* The APR may vary, the current variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $400. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable  ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

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  1. One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening. Points are earned on eligible Net Purchases. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank Altitude Reserve Visa Infinite cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  2. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

  3. Points are earned on eligible Net Purchases. U.S. Bank Altitude Reserve Visa Infinite Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 4 Points (5 Points total) for every $1 on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Reserve Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 2 Points (3 Points total) on travel category transactions (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies), and for transactions using a mobile wallet. For this benefit, “mobile wallet” means Apple Pay®, Google Pay™ and Samsung Pay. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types (Points will be applied as mobile wallet, not travel). Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.  

  4. Automatic statement credit(s) totaling up to $325 will be applied to your Account when it is used for purchases made directly from a merchant that classifies itself as travel (such as airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies) and any merchant classified as a restaurant, fast-food restaurant or bar. Credit(s) will be applied to the Account within 2-3 business days after the purchase posts to the Account. Account is eligible to receive a total credit amount of up to $325 per Cardmember year (based on Account opening date). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

  5. Cardmembers who enroll in the Priority Pass Select program will receive access for 12 months to airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one Cardmember per Account (including authorized users). Lounge visit fees apply. Please view the Guide to Benefits (PDF) or visit the U.S. Bank Altitude Reserve Card Benefit site at  for eligibility details, to register, and for full terms and conditions. Cardmembers must accept the Priority Pass Select Conditions of Use which are located at: www.prioritypass.com/en/terms-of-use. One Cardmember per Account may be enrolled as the member in the Priority Pass Select program, and their first eight visits are waived each Priority Pass Select membership year (not Cardmember year). Per person lounge visit fees will apply after free visits have been used. Lounge benefits, services and facilities differ by location and may only be available at an additional charge.

  6. From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for  ExtendPayPlans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

  7. Certain terms, conditions and exclusions apply. Please view the Guide to Benefits (PDF) for further card benefit details including full terms and conditions.

  8. Certain terms, conditions and exclusions apply. You must complete either the Global Entry® and/or TSA PreCheck® application(s) and pay the application fee(s) with your U.S. Bank Altitude Reserve Visa Infinite card. For complete details on the TSA PreCheck® program, including full terms and conditions, go to https://www.tsa.gov/precheck. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. Please view the Guide to Benefits (PDF) for further card benefit details including full terms and conditions.

  9. Certain terms, conditions and exclusions apply. Please view the Guide to Benefits (PDF) for further card benefit details including full terms and conditions. Zero fraud liability is provided for unauthorized transactions; you must notify U.S. Bank promptly of any unauthorized use.

  10. No one can prevent all cybercrime or all identity theft.

  11. Cardmembers are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on Cardmembers' behalf. Any such purchases or arrangements are solely between the Cardmember and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

  12. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account (2,500 Points minimum redemption).

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Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. For a list of compatible Apple Pay devices, see support.apple.com/km207105. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co. Ltd. Use only in accordance with law. App is downloadable from the Google Play™ store.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.