U.S. Bank Altitude® Reserve Visa Infinite®
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The U.S. Bank Altitude® Reserve Visa Infinite® from U.S. Bank earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $400.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $400
Best for dining-heavy spend when the $400 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
What does the U.S. Bank Altitude Reserve Visa Infinite earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Bank Altitude Reserve Visa Infinite compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at 3x among.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Bank Altitude Reserve Visa Infinite compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the U.S. Bank Altitude Reserve Visa Infinite?
The U.S. Bank Altitude Reserve Visa Infinite fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
U.S. Bank Altitude Reserve Visa Infinite fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
Less compelling if the $400 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $400 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $400 annual fee requires enough spend in bonus categories to offset.
Does the U.S. Bank Altitude Reserve Visa Infinite have an annual fee?
The U.S. Bank Altitude Reserve Visa Infinite has an annual fee of $400 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $400
- Foreign transaction fee
- None
What travel perks does the U.S. Bank Altitude Reserve Visa Infinite include?
The U.S. Bank Altitude Reserve Visa Infinite includes Trusted traveler credit, Lounge access, $325 annual credit, Auto Rental Collision Damage Waiver and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120 TSA Precheck or Global Entry statement credit every four years
Lounge access
Complimentary Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide
What benefits come with the U.S. Bank Altitude Reserve Visa Infinite?
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Lost luggage reimbursement
$3,000/yrLost your checked luggage or carry-on bag - you're covered.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Trip delay reimbursement
$500/yrProtect yourself against travel delays.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
$325 annual credit
$325/yrReceive up to $325 annually in automatic statement credits for travel booked through the Travel Center when you use this card.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
TSA PreCheck® or Global Entry®
$120/yrUp to $120 in statement credits to reimburse your application fee once every four years.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Related encyclopedia topics
Common questions about the U.S. Bank Altitude Reserve Visa Infinite
Where do cardholders spend most with the U.S. Bank Altitude Reserve Visa Infinite?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the U.S. Bank Altitude Reserve Visa Infinite. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the U.S. Bank Altitude Reserve Visa Infinite have an annual fee?
The U.S. Bank Altitude Reserve Visa Infinite carries an annual fee of $400 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the U.S. Bank Altitude Reserve Visa Infinite?
Dining is the strongest Madeen category for the U.S. Bank Altitude Reserve Visa Infinite at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the U.S. Bank Altitude Reserve Visa Infinite charge foreign transaction fees?
The U.S. Bank Altitude Reserve Visa Infinite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the U.S. Bank Altitude Reserve Visa Infinite annual fee worth it?
Whether the $400 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the U.S. Bank Altitude Reserve Visa Infinite?
Madeen's catalog lists a typical credit range of Excellent for the U.S. Bank Altitude Reserve Visa Infinite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the U.S. Bank Altitude Reserve Visa Infinite compare to similar cards?
Compare the U.S. Bank Altitude Reserve Visa Infinite against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank Altitude Reserve Visa Infinite This card | Dining | 1% | $400 |
U.S. Bank | Dining | 4% | $0 |
| Dining | 3.2% | $450 | |
| Dining | 3.2% | $99 | |
U.S. Bank | Dining | 3.2% | $99 |
Side-by-side comparisons
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure