US Bank Altitude Reserve Visa Infinite Card Review
US Bank Altitude Reserve Visa Infinite Full Review
Strong rewards, especially when used for travel
Rich travel benefits
Bonus worth $ 750 if points are used for travel
$ 325 in annual travel statement credits
You must be a US bank customer to apply
No point transfer option
- Strong rewards, especially when used for travel: With each point valued at 1.5 cents when used for travel, the US bank’s 3 Altitude Reserve Visa Infinite points per dollar spent on travel purchases or with a mobile wallet essentially equates to a rate of 4.5% reward. That’s a relatively high rate, and you can earn it on everything you buy, as long as you use a mobile wallet like Apple Pay or Samsung Pay. (Points can instead be redeemed for cash for 1 cent per point.) Additionally, prepaid travel booked through the US Bank Travel Center earns 5 points per dollar for an effective rate of 7.5. % on these purchases.
- Rich travel benefits: This card offers a handful of travel-focused benefits to make getting around easier. These include a statement credit to offset TSA preclearance or Global Entry application fees once every four years, a free 12-month Priority Pass Select membership for airport lounges, and 12 Gogo Wi-Fi sessions. in free flights per year (although this benefit will be discontinued on April 1, 2022). The card also offers travel benefits such as rental car collision insurance, travel accident insurance, trip cancellation, delay and disruption protection, and lost baggage reimbursement.
- Bonus worth $ 750 if points are used for travel: This card’s 50,000 point bonus for spending $ 4,500 in the first 90 days of account opening is worth $ 750 if you redeem your points for travel; eligible purchases include airline tickets, hotels and car rentals. While the spending requirements are a bit higher than some other offerings, they still offer great value for the money.
- $ 325 in annual travel statement credits: Purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines qualify for automatic trip statement credits of up to $ 325 per year.
- You must be a customer of a US bank to apply: This card is only available to those who already have a bank account, credit card, or other financial product with US Bank. Technically, you must be a customer of the US bank that has an open and active account at least five business days before submitting your request.
- No point transfer option: Certain other travel rewards award credit cards allow you to transfer the points you earn to other loyalty rewards programs. The US Bank Altitude Reserve Visa Infinite card does not offer this redemption option, which allows more flexibility (and sometimes better rewards) for your points.
The US Bank Altitude Reserve Visa Infinite card is best suited for travelers who travel a lot and would like to use their rewards to travel even more and enjoy some premium features in addition. It is a better card if you use a mobile wallet or if you are ready to start doing so. Purchasing with Apple Pay, Samsung Pay, or another such app allows you to earn rewards of 3 miles per dollar on all purchases, rather than travel-only ones, as is the case with shopping. use of a physical card.
You’ll also get the most out of the card if you’re inclined to arrive early for flights, and therefore are more likely to use the free Priority Pass airport lounge tours, and if you’re traveling on Delta, United, or American and like to stay connected on flights, as these airlines (and some of their partners) use the Gogo in-flight Wi-Fi service, for which the card provides 12 free passes per year.
US Bank Altitude Reserve Visa Infinite card bonus
The 50,000 point bonus for every $ 4,500 in purchases spent in the first 90 days after opening the account may not sound too appealing when you consider the high expenses and annual fee of $ 400. However, the fact that you can redeem the points for up to $ 750 on travel makes it a much more attractive offer, as does the ability to wipe out a large portion of the fees with credits against travel expenses.
Bonus points should be credited to your account within one to two billing cycles.
The rewards with the US Bank Altitude Reserve Visa Infinite are relatively straightforward. You will earn 3 points per dollar spent on purchases that count as travel. The definition of these expenses is quite broad and includes purchases made directly from airlines, hotels, car rentals, taxis, limousines, passenger trains, and cruise lines. Plus, prepaid travel and hotels purchased through the US Bank Travel Hub earn 5 times the points.
The earning rate of 3 points per dollar spent also applies to purchases made with a mobile device through a mobile wallet provider. Eligible providers include Apple Pay, Google Pay, and Samsung Pay. All other purchases earn 1 point per dollar spent.
Details on how to use rewards
The Optimal Redemption Option requires you to redeem your points for travel through the US Bank Travel Portal. In doing so, you will get a value of 1.5 cents per point traded instead of the value of 1 cent per point offered for statement credits.
Other redemption options include the ability to instantly redeem points for almost any purchase with real-time rewards, gift cards, merchandise, and even your annual fee.
How to Maximize Your Rewards
Getting the most out of the US Bank Altitude Reserve Visa Infinite begins with acquiring a mobile wallet, which allows for in-app access to this card and all of your other credit cards, and to use it as a means of payment as far as possible. This way you will earn 3 points per dollar spent on all wallet purchases. Prepayment for hotels and travel through the US Bank Travel Center is an easy way to earn 2 extra points on travel purchases.
Then make sure you earn the one-time bonus by spending at least $ 4,500 in the first 90 days after opening the account. The reward for this – in points worth up to $ 750 – should be worth it even if not all of your purchases earn the best rate of 3 points per dollar spent as some merchants don’t have the equipment. to accept wallet payments.
Finally, redeem your points for travel to take advantage of the higher value of 1.5 cents per point rather than the lower redemption rates of other redemption options.
Exceptional benefits of the US Bank Altitude Reserve Visa Infinite card
- 12 free Gogo Inflight Wi-Fi passes per year
- Priority Pass Select 12-month airport lounge membership
- Annual travel credit of $ 325
- TSA PreCheck or Global Entry application fee credit once every four years
- Silvercar privileges and discounts
- Special privileges in more than 580 Relais & Châteaux establishments
- 24/7 service advisers and concierge
- Extended warranty
- Collision Damage Waiver on Rental Cars
- Discounts on Silvercar rental cars
- Buy warranty in case of theft or damage in the first 90 days
- Return protection
- Trip cancellation, delay and interruption coverage
- Reimbursement of lost baggage
US Bank ranked tenth out of 11 domestic card issuers in the 2021 JD Power Credit Card Satisfaction Study in the United States. The bank scored well below average.
As a US Bank customer registered for online banking, you can access your TransUnion credit score once a month for free through the CreditView dashboard. You can speak to a US Bank Altitude Reserve Visa Infinite card customer service representative anytime, 24 hours a day, 7 days a week by calling 844-357-2015.
This card provides 24/7 fraud monitoring and identity theft protection services to cardholders.
Fees to watch out for
The US Bank Altitude Reserve Visa Infinite charges an unusual annual fee of $ 75 for each additional card issued to the account. Otherwise, the fees for this card are pretty standard for a premium credit card with travel rewards.
With its rewards of 3 points per dollar spent using a mobile wallet, US bank Altitude Reserve Visa Infinite seeks to appeal to tech-savvy consumers who prefer to use virtual cards, and perhaps those who are. ready to join in. group. The card also cultivates cachet with its hefty annual fee of $ 400, while justifying a large chunk of that for cardholders when they make their first major travel purchase each year. Despite its hefty, though largely justifiable, annual fee, this card could lure even a casual traveler with some great rewards and a welcome roundup of the intricacies of travel, including free Wi-Fi on Gogo-affiliated airlines. and access to Priority Pass airport lounges.
That said, some others who travel little may find these perks not worth paying anything extra to receive them. These travelers may want to consider a travel-focused card that doesn’t emphasize premium features, such as the Chase Sapphire Preferred Card. Or, even simpler, a generous cash back card such as the Blue Cash Preferred card which offers 6% cash back on purchases in US supermarkets (up to $ 6,000 per year) and subscriptions to streaming as well as 3% cash back on transit and gasoline at US Gas Stations and 1% on all other purchases. Both of these cards charge an annual fee of $ 95.