Is the U.S. Bank Altitude Reserve Visa Infinite Card worth $400/yr?
The honest math on the U.S. Bank Altitude Reserve Visa Infinite Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $400 annual fee.
U.S. Bank · $400 annual fee · earns U.S. Bank Rewards Points
Closed to new applicants.
Earning rates
- 10x Prepaid hotels & car rentals via the Altitude Rewards Center
- 5x Flights via the Altitude Rewards Center
- 3x Mobile wallet (Apple Pay, Google Pay, Samsung Pay) ($5,000 per billing cycle, then 1x)
- 3x Travel purchases (direct, any merchant)
- 3x Travel purchases (direct, any merchant)
- 3x Travel purchases (direct, any merchant)
- 1x Everything else
Statement credits (2)
- $325 Annual Travel Credit — Up to $325/year in automatic statement credits, currently restricted to bookings made through the U.S. Bank Travel Center.
- Global Entry / TSA PreCheck Credit — $100 application-fee statement credit once every four years (~$25/yr).
Protections and perks (12)
- Airport Lounge Access — Priority Pass Select membership with 8 visits per year, freely allocated between yourself and guests.
- Complimentary Inflight Wi-Fi — 12 complimentary Gogo inflight Wi-Fi sessions per calendar year.
- Primary Rental Car Coverage — Primary collision/damage coverage on rentals paid with the card — decline the counter CDW.
- Travel Accident Insurance — Accidental death & dismemberment coverage while riding as a fare-paying passenger on a common carrier charged to the card.
- Trip Cancellation / Interruption — Up to $2,000 per insured person for non-refundable common-carrier tickets when a trip is cancelled or interrupted for a covered reason (death/injury/illness of you or an immediate family member, or carrier bankruptcy).
- Trip Delay Reimbursement — Up to $500 per ticket for reasonable additional expenses when a covered trip is delayed more than 6 hours or requires an overnight stay.
- Lost Luggage Reimbursement — Up to $3,000 per covered trip ($2,000 for New York residents) for checked or carry-on baggage lost or misdirected by the common carrier.
- Purchase Security — New retail purchases covered against damage or theft for 90 days, up to $10,000 per claim.
- Extended Warranty Protection — Adds a year to eligible U.S. manufacturer warranties of 3 years or less, up to $10,000 per claim.
- Return Protection — Up to $300 per item if a store won't take back an eligible return within 90 days of purchase.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
- Emergency Evacuation & Repatriation — Up to $10,000 for medically-necessary emergency evacuation/transportation, plus up to $1,000 to return remains home, on covered trips of 5-60 days at least 100 miles from home.
Card data verified against U.S. Bank on 2026-08-21.
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