5X points2

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

3X points2

on eligible travel purchases and mobile wallet spending

Up to $3253

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

No foreign transaction fees

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

Airport lounge access

Complimentary Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide.4

Buy now, pay later.

Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® plan.** Pay no interest* and keep your rewards, all for a small monthly fee.

Visa Infinite® Luxury Hotel Collection

Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious properties.5

TSA PreCheck® or Global Entry®

Enjoy up to $100 in statement credits to reimburse your application fee once every four years.6

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.7

ID Navigator Powered by NortonLifeLock

Get tools to help keep you informed of threats that may affect your identity.8

World class service

Experience elevated service levels 24/7 with dedicated service advisors and Visa Infinite Concierge.9

Apply now

Awarded Best Travel Credit Card

Awarded best travel card by Wallethub

Apply for the card that earned Wallethub's Best Travel Credit Card Award.

 

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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,2 3X points on eligible travel purchases and mobile wallet spending 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.3 Plus, points are worth 50% more when redeemed for travel.3

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.3

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,10 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 new 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 an 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 Earn Mall. The Earn Mall 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 Earn Mall in the Rewards Center and start shopping.

By using the Rewards Center Earn Mall 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 Earn Mall.

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.

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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.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules for additional information.

* The APR may vary, the variable APR for Purchases and Balance Transfers is 21.74% to 28.74% (based on your creditworthiness). The variable APR for Cash Advances is 30.74%. 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 U.S. Bank ExtendPay® Plans and U.S. Bank 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.

** 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.

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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. Net Purchases are purchases minus credits and returns. Points are earned based on eligible net purchases. Not all transactions are eligible to earn Points, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account. 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. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are eligible for Points, such as Advances, Balance Transfers and Convenience Checks. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which may be amended from time to time. 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 in eligible Net Purchases spent 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. 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. You will earn 2 Points (3 Points total) for every $1 in eligible Net Purchases during each billing cycle for transactions made directly with merchants who classify their business as a travel category transaction (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. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes Apple Pay®, Samsung Pay, and Google 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 ).

  3. 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.

  4. 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. Log in to the U.S. Bank Altitude Reserve Card Benefit site at www.usbank.com/altitudereservebenefits 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 four visits and four individual accompanying guest 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.

  5. Certain terms, conditions and exclusions apply. Please visit www.usbank.com/altitudereservebenefits for further details and full terms and conditions.

  6. 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 visit www.usbank.com/altitudereservebenefits for further details and full terms and conditions.

  7. Certain terms, conditions and exclusions apply. Please visit www.usbank.com/altitudereservebenefits to view the Guide to Benefits and 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.

  8. No one can prevent all identity theft.

  9. 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.

  10. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account (5,000 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. ©2022 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.