U.S. Bank Altitude Reserve

The U.S. Bank Altitude Reserve Card is a premium travel credit card with strong rewards, especially on mobile wallet spending.

U.S. Bank Altitude Reserve is worth considering if you have an excellent credit score. The card offers premium travel benefits like a Priority Pass membership and credits for TSA PreCheck or Global Entry applications. It also provides primary car rental insurance, which can save you $15+ per day. The card has a $400 annual fee not waived the first year. However, it comes with $325 in annual travel credits that can easily offset this cost.

The card’s best feature is its 3X points on mobile wallet purchases. This is a great benefit for anyone who uses mobile payment apps regularly. This is in addition to the card’s 1X point on all other purchases. The card also allows you to redeem your points for statement credits at a rate of 1.5 cents per point, which is better than the redemption rates offered by many competing cards.

The card’s biggest drawback is its high annual fee. The card also doesn’t offer the ability to transfer its points to loyalty programs, which is a major disadvantage for frequent travelers. If you want a more flexible rewards card, consider one of the other premium options out there, such as the Chase Sapphire Reserve or The Platinum Card from American Express.

Credit Limits for U.S. Bank Altitude Reserve

There is no set credit limit for U.S. Bank credit cards, as lenders decide on individual credit limits based on an applicant’s credit score and income. However, cardholders with excellent credit typically receive higher credit limits than those who have poorer credit scores.

How Do I Redeem My U.S. Bank Altitude Reserve
U.S. Bank Altitude Reserve 1

How Do I Redeem My U.S. Bank Altitude Reserve?

To qualify for the U.S. Bank Altitude Reserve, you must be an existing U.S. Bank customer, which the card’s terms define as having a checking or savings account, certificate of deposit, investment account, auto loan, mortgage loan, credit card, or other financial product with the bank. 

Those who are interested in applying for this card can visit the card’s website to begin the application process. In most cases, applicants can expect to receive a decision within 60 seconds of submitting an application online. Those who are not approved can try again in a few weeks or contact the card’s customer service team to request an alternate decision.

Those looking to apply for the U.S. Bank Altitude Reserve Card should have good credit in order to be approved. This typically means a score of 680 or higher. Although there are some exceptions, most consumers will not be approved for this card if they have a low score.

altitude Reserve perks
U.S. Bank Altitude Reserve 2


As with other premium travel cards, the Altitude Reserve comes with a handful of nice perks to help make up for the annual fee. These include an elevated Priority Pass membership and a TSA PreCheck or Global Entry application fee credit. It also comes with 12 free inflight Gogo WiFi access passes per year and a $100 credit for faster security screening at airports.

The card’s primary selling point is its 3X points on purchases made through mobile wallet apps like Apple Pay, Samsung Pay, and Google Pay. These points are worth 1.5 cents each when redeemed for travel through the U.S. Bank travel portal, but they can also be redeemed for gift cards and statement credits.

Cardholders can also earn 5X points on prepaid hotels and travel directly booked through the Altitude Rewards Center. The card’s lack of transfer partners is a drawback, but overall, the Altitude Reserve offers enough travel rewards and perks to justify its high annual fee for frequent travelers with good credit. Those who don’t travel frequently might want to consider a card with a lower annual fee but better transfer partners, such as the Chase Sapphire Preferred or Citi Prestige.

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