U.S. Bank Altitude Reserve Visa Infinite by U.S. Bank: 3x travel (broad), 1.5x everything else. $400 annual fee. Rates and credits verified from issuer pages.
The U.S. Bank Altitude Reserve Visa Infinite is U.S. Bank's premium credit card. The $400/yr annual fee includes a no current welcome bonus. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| TSA PreCheck or Global Entry application fee credit | $120/quadrennial | TSA PreCheck® or Global Entry® — Get up to a $120 statement credit to reimburse your application fee. |
| Annual travel credit | $325/yr | $325/yr in statement credits automatically applied to eligible Travel Center purchases |
Welcome bonus value (year one): ~$0. Annual statement credits: $445. Minus the $400 annual fee = ~$45 in year-one net value before any spending earn. RewardsGuru rating: 2.5/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
Year-one math: welcome bonus value (~$0) + annual credits ($445) − $400 fee = ~$45 net before spending earn. Year-two onward, the credits alone need to clear $400 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
2 recurring statement credits: TSA PreCheck or Global Entry application fee credit ($120), Annual travel credit ($325/yr). Total: $445/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. U.S. Bank's product page has the current rate.