U.S. Bank
U.S. Bank Altitude Reserve
Annual Fee
$400
Sign-up Bonus
50,000 pts
Travel Credit
$325
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- 3x on hotels (catalog median is 2x)
- 3x on other travel (catalog median is 2x)
- Airport lounge access
- The $400 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $400 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$68/yr
$468 rewards - $400 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$260/yr
$660 rewards - $400 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$524/yr
$924 rewards - $400 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
3x
Hotels
3x
Other Travel
3x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
3x on travel, dining, and mobile wallet purchases. $325 annual travel credit. Priority Pass Select. Points worth 1.5 cents when redeemed for travel.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
U.S. Bank Altitude Reserve FAQ
What is the U.S. Bank Altitude Reserve annual fee?
The U.S. Bank Altitude Reserve has a $400 annual fee.
What is the U.S. Bank Altitude Reserve signup bonus?
50,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the U.S. Bank Altitude Reserve?
3x on flights, 3x on hotels, 3x on other travel. Everything else earns 1x.
Is the U.S. Bank Altitude Reserve worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $68/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Does the U.S. Bank Altitude Reserve include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
Compare With Similar Cards
Is U.S. Bank Altitude Reserve Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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