The U.S. Bank Altitude® Reserve Visa Infinite® Card offers 3x points on mobile payments and travel, redeemable at 1.5¢/point for travel expenses. With $325 annual travel/dining credit and premium travel protections, it’s ideal for contactless payment users. Learn key benefits, redemption strategies, and application requirements.
Key Details (Updated 02/07/2025)
- Application Status: Currently unavailable via official channels
- Last Available: 01/2025 through partner offers
Fee Structure
Annual Fee
$400 (non-waived first year)
Effective Cost
$75 after $325 travel/dining credit
Credit applies to: Airlines, hotels, car rentals, restaurants, food delivery
Reward Breakdown
Earning Structure
| Category | Points | Effective Value* |
|---|
| Mobile Wallet (Apple/Google Pay) | 3x | 4.5% |
| Direct Travel Purchases | 3x | 4.5% |
| Altitude Rewards Center | 5x | 7.5% |
| All Other Purchases | 1x | 1.5% |
*When redeemed for travel through Real-Time Rewards
Redemption Options
- Travel Statement Credit: 1.5¢/point
- Cash Back: 1.0¢/point
- Gift Cards: 1.0¢/point
Premium Benefits
Travel Protections
- Trip Delay: $500 reimbursement after 6+ hour delay
- Lost Luggage: $3,000 coverage
- Primary Rental Car Insurance: Covers damage/theft up to $75k
Additional Perks
- Global Entry/TSA PreCheck® Credit ($100 every 4 years)
- Visa Infinite® Hotel Benefits
- Purchase Security (120-day protection)
Recommended Strategy
Optimal Use Case
- $1,083/month mobile wallet spending
- $325 annual travel credit utilization
- Combined with 2% flat-rate card for non-contactless payments
Value Proposition
Annual Net Gain =
(($13,000 mobile spend × 4.5%) + $325 credit) - $400 AF = $585
Application Requirements
- Credit Score: 740+ FICO (Prime+)
- Bank Relationship: Preferred but not required since 2022
- Income Verification: Required for all applicants
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Limitations
- No bonus category for dining standalone
- Travel credit excludes third-party bookings
- Priority Pass limited to 4 complimentary visits
FAQ
Q: What’s required for approval?
A: While no longer requiring existing accounts, applicants with U.S. Bank checking relationships see 68% higher approval rates (2024 data). Minimum “Good” credit required.
Q: How does Real-Time Rewards work?
Process:
- Make eligible travel purchase
- Receive SMS with redemption option
- Reply “REDEEM” to apply points
Value: 1.5¢/point for qualified travel
Q: What counts as travel?
Eligible Categories:
- Airlines (direct bookings)
- Hotels (minimum $150 stay)
- Car Rentals (48+ hour rentals)
- Cruise Lines
Q: Mobile wallet limitations?
A: Excludes government payments, utilities, and peer-to-peer transactions. Maximum 10 contactless payments/day.