The Ultimate Guide to the U.S. Bank Altitude Reserve Visa Infinite Credit Card
The U.S. Bank Altitude Reserve Visa Infinite Credit Card is a premium travel rewards card designed for frequent travelers and those looking to make the most out of their spending.
With its lucrative rewards program, travel benefits, and valuable features, this card stands out among others in its category.
In this guide, we’ll take an in-depth look at everything this card has to offer, including its rewards, benefits, fees, and how it compares to other top-tier travel credit cards.
Key Features and Benefits
The U.S. Bank Altitude Reserve Visa Infinite Credit Card offers a variety of features that make it attractive for consumers who want to maximize their travel rewards and benefits.
Here’s a closer look at what this card brings to the table:
Generous Rewards Program
- Earn 3X points on eligible travel and mobile wallet purchases, making it easy to rack up points quickly. Mobile wallet purchases include payments made through apps like Apple Pay, Google Pay, and Samsung Pay, which is a unique benefit compared to other travel cards.
- Earn 1X point on all other eligible purchases.
- Points can be redeemed for travel, statement credits, gift cards, and more. The flexibility in redemption options adds to the card’s appeal.
High Redemption Value for Travel
- When redeeming points for travel, you’ll enjoy a 50% bonus on your points, effectively making each point worth 1.5 cents. For example, 50,000 points are worth $750 when redeemed through the U.S. Bank travel portal.
- This elevated value is one of the main reasons why this card is popular among frequent travelers.
Sign-Up Bonus
- New cardholders can earn 50,000 bonus points after spending $4,500 within the first 90 days of account opening. This bonus is worth $750 in travel, making it an excellent way to start your rewards journey.
Travel Credits
- Receive an annual $325 travel credit that can be used for eligible travel expenses, such as airfare, hotels, car rentals, and even ride-sharing services. This credit effectively offsets the card’s annual fee, making it more affordable.
Priority Pass Select Membership
- Gain access to over 1,200 airport lounges worldwide with your Priority Pass Select membership. This feature provides a more comfortable and relaxing travel experience, whether you’re traveling for business or pleasure.
Visa Infinite Perks
- As a Visa Infinite card, you’ll enjoy a variety of exclusive perks, such as complimentary concierge services, discounts at luxury hotels, and special access to unique events.
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Travel and Purchase Protections
One of the most compelling reasons to carry the U.S. Bank Altitude Reserve Visa Infinite Credit Card is its comprehensive range of travel and purchase protections:
- Trip Cancellation and Interruption Coverage: Get up to $2,000 per person in trip cancellation and interruption coverage. This coverage can help reimburse you for non-refundable travel expenses if your trip is canceled or cut short due to covered reasons.
- Auto Rental Collision Damage Waiver: Use your card to rent a car, and you’ll receive primary collision damage waiver coverage, which can save you money on rental car insurance.
- Lost Luggage Reimbursement: Receive up to $3,000 per covered trip if your luggage is lost or damaged.
- Travel Accident Insurance: This card offers up to $500,000 in travel accident insurance, providing peace of mind during your travels.
- Purchase Security and Extended Warranty Protection: Eligible items purchased with the card are covered against damage or theft for the first 90 days, up to $10,000 per claim. The extended warranty protection doubles the manufacturer’s warranty, up to an additional year.
Annual Fee and Additional Costs
- Annual Fee: $400. While this fee may seem steep, the $325 annual travel credit can significantly offset this cost, making it much more manageable for cardholders who travel frequently.
- No Foreign Transaction Fees: Enjoy worry-free spending abroad without incurring foreign transaction fees, making this card a great companion for international travel.
Mobile Wallet Perks
One unique feature of the U.S. Bank Altitude Reserve Visa Infinite Credit Card is the 3X points earning rate on mobile wallet purchases.
This means that you can earn more rewards simply by using your smartphone to pay, which is especially convenient in an increasingly digital world.
How to Maximize Mobile Wallet Spending:
- Link your card to your favorite mobile wallet apps (Apple Pay, Google Pay, or Samsung Pay).
- Use your mobile wallet to pay for everyday purchases, such as groceries, dining, and shopping.
- Take advantage of contactless payments at retail stores that accept mobile wallets.
Comparison with Other Travel Credit Cards
The U.S. Bank Altitude Reserve Visa Infinite Credit Card stands out for its unique rewards structure and high point value for travel redemptions.
However, it’s important to compare it with other popular travel cards to see if it’s the best fit for your needs.
Chase Sapphire Reserve:
- Similar to the Altitude Reserve, the Chase Sapphire Reserve offers 3X points on travel and dining and a 50% point redemption bonus for travel through the Chase portal. However, the Sapphire Reserve comes with a higher $550 annual fee but offers more travel benefits, including a $300 travel credit and airport lounge access.
The Platinum Card from American Express:
- This card is known for its luxury travel perks, such as 5X points on flights and prepaid hotels booked through Amex Travel, and a generous $200 airline fee credit. It also offers a $695 annual fee, which may be justified by its extensive perks, including access to Amex Centurion Lounges and Uber credits.
Citi Prestige Card:
- This card offers 5X points on dining and air travel but has a higher $495 annual fee. While it doesn’t have as much mobile wallet flexibility as the U.S. Bank Altitude Reserve Visa Infinite Credit Card, it does provide benefits like a $250 travel credit and 4th-night free hotel stays.
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Who Should Get the U.S. Bank Altitude Reserve Visa Infinite Credit Card?
The U.S. Bank Altitude Reserve Visa Infinite Credit Card is ideal for:
- Frequent travelers who want to maximize rewards and value on their travel expenses.
- Tech-savvy individuals who use mobile wallets regularly and want to earn more points on everyday purchases.
- Those seeking premium travel benefits like airport lounge access, travel credits, and comprehensive insurance protections.
However, if you don’t travel frequently or spend enough to justify the annual fee, you may want to consider a card with a lower fee and fewer travel perks.
How to Apply for the U.S. Bank Altitude Reserve Visa Infinite Credit Card
Applying for this card is simple, but there are a few things to keep in mind:
- Check Your Credit Score: This card typically requires excellent credit (a FICO score of 720 or higher). Make sure your credit is in good shape before applying.
- Gather Your Information: Have your personal information, income details, and any required documentation ready before starting the application.
- Apply Online: You can apply directly through the U.S. Bank website. Approval decisions are often made within minutes.
Final Thoughts
The U.S. Bank Altitude Reserve Visa Infinite Credit Card is a top-tier travel rewards card that offers exceptional value for frequent travelers, especially those who take advantage of mobile wallet payments.
With its generous rewards, travel credits, and premium benefits, it’s a strong contender in the premium travel credit card market.
If you’re looking for a card that offers flexibility, high earning potential, and travel perks, this card might be the perfect fit for your wallet.
