Money Analysed

Travel in Style: Is the US Bank Altitude Reserve Card Worth It?

If you’re someone who travels frequently, you’re likely familiar with rewards credit cards. In the world of rewards credit cards, the U.S. Bank Altitude Reserve Visa Infinite Card is a standout choice for those seeking a premium travel card.

In this article, we’ll explore who should get the U.S. Bank Altitude Reserve Visa Infinite Card, its benefits and drawbacks, and why it may be worth the annual fee for the right traveler. Who Should Get the U.S. Bank Altitude Reserve Visa Infinite Card?

The card is designed for frequent travelers who want a card that is packed with travel-focused benefits. If you’re someone who finds themselves on the road frequently, or who values luxury travel experiences, this card might be right for you.

The U.S. Bank Altitude Reserve Visa Infinite Card offers a sign-up bonus of 50,000 points for new cardholders who spend at least $4,500 within the first 90 days. These points are worth $750 when redeemed for travel through U.S. Bank’s rewards portal.

Additionally, the card offers 3x points on all travel and mobile wallet purchases, such as Apple Pay and Google Pay.

Benefits and Drawbacks

One of the most significant benefits of the U.S. Bank Altitude Reserve Visa Infinite Card is its travel benefits. Cardholders receive a $325 annual travel credit, which can be used for a broad range of travel expenses such as airline tickets, hotel stays, and rental cars.

Additionally, the card offers a complimentary Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide. Other benefits include a Global Entry or TSA PreCheck application fee credit up to $100, a 12-month Lyft Pink membership, and a $30 monthly statement credit for eligible digital wallet purchases.

Despite these benefits, the card does come with a $400 annual fee. While this fee may seem steep, it’s essential to consider the value of the card’s benefits.

For frequent travelers, the value of the card’s benefits can easily outweigh the cost of the annual fee.

Conclusion

Overall, the U.S. Bank Altitude Reserve Visa Infinite Card is an excellent choice for frequent travelers seeking a premium travel card. Its extensive travel benefits, from the $325 annual travel credit to the complimentary Priority Pass Select membership, make it an excellent option for those who want to travel in style.

While the card’s annual fee is on the higher side, if you’re someone who uses the card’s benefits frequently, it can easily prove to be worth the investment.

Credit Card Basics

Credit cards are a financial tool that can help you manage your expenses and earn rewards along the way. One rewards credit card that stands out is the U.S. Bank Altitude Reserve Visa Infinite Card.

In this article, we’ll take a closer look at why we like this credit card, its benefits and perks, as well as what we don’t like about it, including its drawbacks. Why We Like the U.S. Bank Altitude Reserve Visa Infinite Card

Generous Welcome Offer: The U.S. Bank Altitude Reserve Visa Infinite Card offers a generous sign-up bonus of 50,000 points when you spend $4,500 in the first 90 days of account opening.

These points are worth $750 when redeemed for travel through U.S. Bank’s rewards portal. Earning Potential: The card offers 3x points on all travel and mobile wallet purchases, such as Apple Pay and Google Pay.

This makes it easy to earn points on a variety of purchases. Annual Credit: One of the U.S. Bank Altitude Reserve Visa Infinite Card’s biggest perks is the $325 annual credit that can be used for a variety of travel expenses.

This can help offset the card’s annual fee. Increased Travel Redemption Rate: Cardholders who redeem points for travel through U.S. Bank’s rewards portal receive a 50% increase in redemption value.

This means that 50,000 points can be redeemed for $750 in travel instead of the standard $500. Priority Pass: Cardholders receive a complimentary Priority Pass Select membership that gives them access to over 1,300 airport lounges worldwide.

TSA PreCheck: The U.S. Bank Altitude Reserve Visa Infinite Card provides a credit of up to $100 for TSA PreCheck or Global Entry application fees. Travel Benefits: The card includes a long list of travel benefits, such as trip cancellation and interruption coverage, baggage delay insurance, and emergency evacuation and transportation coverage.

Shopping Coverage: The card includes purchase protection, extended warranty coverage, and cell phone protection. What We Don’t Like About This Card

U.S. Bank Restriction: To be eligible for the U.S. Bank Altitude Reserve Visa Infinite Card, you must have an existing U.S. Bank relationship.

High Annual Cost: The card has a $400 annual fee, which can be steep for some cardholders. Travel Redemption Inflexibility: While the U.S. Bank Altitude Reserve Visa Infinite Card offers great travel redemption options, it’s worth noting that you can only redeem points for travel through U.S. Bank’s rewards portal.

Earning and Redeeming U.S. Bank Rewards Points

Potential Earnings in Years One and Two:

Year One: Assuming $1,000 in travel and mobile wallet purchases, and $2,500 in non-bonus purchases, cardholders can earn 10,250 points, worth $153.75. This includes the welcome bonus of 50,000 points.

Year Two: Assuming the same purchases as year one, cardholders can earn 7,750 points, worth $116.25. Best Ways to Earn:

Bonus Categories: The U.S. Bank Altitude Reserve Visa Infinite Card earns 3x points on all travel and mobile wallet purchases, making those categories the best ways to earn.

Mobile Wallet: Cardholders can earn 3x points on eligible purchases made with mobile wallets such as Apple Pay and Google Pay. Maximizing Your Redemptions:

Redeeming Points: The U.S. Bank Altitude Reserve Visa Infinite Card offers multiple redemption options, including travel, merchandise, and gift cards.

However, redemption for travel through U.S. Bank’s rewards portal offers the highest value, especially with the 50% redemption bonus. Travel Redemption: Cardholders can redeem points for airfare, hotels, car rentals, and more through U.S. Bank’s rewards portal.

Travel redemption offers the highest value, with 50,000 points worth $750. Multiple Redemption Options: Cardholders also have the option to redeem points for merchandise or gift cards, though this generally offers lower redemption value.

Merchandise redemptions typically provide a value of one cent per point, while gift card redemptions vary depending on the retailer.

Final Thoughts

The U.S. Bank Altitude Reserve Visa Infinite Card is an ideal choice for frequent travelers who want to take advantage of premium travel benefits and rewards. While the card has a high annual fee, the benefits and perks that it offers can make it worth the investment.

The generous welcome offer, earning potential, annual credit, and increased travel redemption value are all significant benefits of this card. When it comes to drawbacks, the U.S. Bank restriction, high annual cost, and travel redemption inflexibility should be taken into consideration before applying for this card.

FAQ

The U.S. Bank Altitude Reserve Visa Infinite Card is a popular choice for frequent travelers seeking premium travel rewards. In this article, we’ll cover some of the most commonly asked questions about this card, including its benefits, eligibility, redemption process, and more.

We’ll also discuss some other cards to consider if the U.S. Bank Altitude Reserve Visa Infinite Card isn’t the right fit for you. Is the U.S. Bank Altitude Reserve Visa Infinite Card a Good Card?

For frequent travelers, the U.S. Bank Altitude Reserve Visa Infinite Card is an excellent choice. The card’s travel-focused benefits, such as the $325 annual travel credit and Priority Pass Select membership, make it a valuable tool for those who are always on the go.

Additionally, the card’s earning potential and increased travel redemption rate make it a smart choice for those looking to maximize their rewards. What Credit Score Do You Need for the U.S. Bank Altitude Reserve Visa Infinite Card?

To be eligible for the U.S. Bank Altitude Reserve Visa Infinite Card, you’ll need a good to excellent credit score. While the exact credit score requirement isn’t disclosed by U.S. Bank, reports suggest that a score of 720 or higher is necessary to be approved.

Is the U.S. Bank Altitude Reserve Visa Infinite Card Metal? Yes, the U.S. Bank Altitude Reserve Visa Infinite Card is made of metal.

Many premium credit cards are made of metal, as it gives them a more distinct look and feel. How Do You Redeem Your U.S. Bank Altitude Points?

Redeeming your U.S. Bank Altitude points is easy. You can log in to your account on U.S. Bank’s rewards portal and choose how you’d like to redeem your points.

Travel redemption offers the highest value, with 50,000 points worth $750 when redeemed for travel. You can also redeem points for merchandise, gift cards, and statement credits.

It’s worth noting that redemption options may vary depending on the availability of the reward. How Many U.S. Bank Credit Cards Can You Have?

There’s no official limit to the number of U.S. Bank credit cards you can have. However, U.S. Bank may restrict the number of credit cards you can have based on your overall creditworthiness and payment history.

Additionally, U.S. Bank has a policy of not approving more than one credit card application per day.

Other Cards to Consider

Chase Sapphire Reserve: The Chase Sapphire Reserve is a premium travel card that offers many of the same benefits as the U.S. Bank Altitude Reserve Visa Infinite Card. It also offers flexible redemption options, including highly valued transfer partners like United Airlines and Hyatt Hotels.

The Platinum Card from American Express: Another excellent option for frequent travelers is The Platinum Card from American Express. This card offers a plethora of travel perks, such as lounge access and airline fee credits, and earns valuable Amex Membership Rewards points that can be transferred to a variety of travel partners.

Final Thoughts

Choosing the right travel rewards credit card can be a daunting task, but it’s important to find one that fits your specific travel needs and lifestyle. The U.S. Bank Altitude Reserve Visa Infinite Card is a great choice for frequent travelers seeking premium travel benefits and rewards.

However, it’s not the only card to consider. The Chase Sapphire Reserve and The Platinum Card from American Express are both excellent options for those seeking flexible redemption options and travel perks.

Ultimately, it’s essential to compare the benefits and costs of each card and choose the one that works best for you. U.S. Bank Altitude Reserve Visa Infinite: Bottom Line

The U.S. Bank Altitude Reserve Visa Infinite Card is a premier travel rewards credit card that provides a variety of benefits and perks to the frequent traveler.

With a generous sign-up bonus, travel-focused earning categories, and an annual travel credit to offset the high annual fee, this card is an excellent choice for frequent travelers looking to maximize their rewards.

Card Summary and Recommendation

The U.S. Bank Altitude Reserve Visa Infinite Card is a premium credit card designed for frequent travelers who want to earn rewards for their travel purchases. The card provides 3x points on all travel and mobile wallet purchases, such as Apple Pay and Google Pay.

Additionally, it features a $325 annual travel credit and a Priority Pass Select membership, which gives access to hundreds of airport lounges worldwide. Though the U.S. Bank Altitude Reserve Visa Infinite Card requires a high credit score, those who qualify can enjoy some of the best travel benefits in the industry, including travel accident insurance, rental car insurance, and trip cancellation and interruption insurance.

While the high annual fee may be off-putting to some, the value of the card’s benefits far outweigh the cost for those who use them frequently. There’s no doubt that the U.S. Bank Altitude Reserve Visa Infinite Card is an excellent choice for frequent travelers seeking a high-end travel credit card.

Final Recommendation

Overall, the U.S. Bank Altitude Reserve Visa Infinite Card is an excellent option for frequent travelers seeking premium travel benefits and rewards. With its generous welcome offer, earning potential, and exclusive travel perks, it’s no wonder this card has become so popular in recent years.

However, it’s worth noting that the card’s eligibility requirements and high annual fee do limit its appeal to those with an existing U.S. bank relationship. Before deciding on whether to apply for the U.S. Bank Altitude Reserve Visa Infinite Card, it’s important to consider your travel habits and expenses.

If you’re someone who spends a significant amount on travel and wants access to exclusive travel benefits, then this card may be a great fit for you. However, if your travel habits don’t align with the card’s benefits, then there may be better options available.

It’s always wise to compare multiple credit cards and choose the one that offers the most value for your lifestyle and needs. In conclusion, the U.S. Bank Altitude Reserve Visa Infinite Card is an ideal choice for frequent travelers looking for a premium travel credit card with exclusive benefits and rewards.

The card offers generous travel perks, including a $325 annual travel credit, Priority Pass Select membership and earning potential, while the increased travel redemption rate and flexible redemption options make this card a top pick among frequent travelers. However, potential cardholders should consider the high annual fee, credit score requirements, and existing U.S. Bank customer relationship when applying.

Ultimately, finding the right credit card comes down to your personal spending habits and travel needs.

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