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$400
Annual Fee
50,000
Altitude Points · Welcome Bonus
3X
Top Rate
Annual Fee
$400
Authorized User Fee
$75
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
U.S. Bank Altitude points
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Poor to Excellent
Welcome Offer
50,000
Altitude Points
Spend $4,500 in the first 3 months
Mobile Wallet
3X points on mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay) up to $5,000/billing cycle
Cap: $5,000/monthly
Travel
3X points on travel purchases
Dining
3X points on dining purchases
All Other
1X points on all other purchases
Benefits & Perks
Program & Transfers
Rewards when you want them
U.S. Bank Altitude Rewards is a closed-loop points program tied to the Altitude card family. Unlike Chase Ultimate Rewards or Amex Membership Rewards, Altitude Points cannot be transferred to airline or hotel partners, making them a fixed-value currency. The program's standout feature is Real-Time Rewards, which allows cardmembers to instantly redeem points via text message for qualifying purchases. After making a purchase, you receive a text offering to redeem points; simply reply "REDEEM" to apply points as a statement credit. Following significant changes in December 2025, the Altitude Reserve card (no longer open to new applicants) saw its travel redemption value drop from 1.5 cents to 1.0 cent per point, aligning with other redemption methods. The promised transfer partners have not materialized as of early 2026.
Reviews & Analysis
Details & Terms
| Purchase APR | 21.24%–29.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $75 |
No. As of February 2026, U.S. Bank has no transfer partners despite announcing them in August 2025 for a December 2025 launch. Altitude Points remain a closed-loop, fixed-value currency.
Points expire after 12 consecutive billing cycles (approximately 12 months) without any earning, redeeming, or balance activity on your account. Make at least one purchase per year on each Altitude card to keep points alive.
Media & Resources
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$400
Annual Fee
50,000
Altitude Points · Welcome Bonus
3X
Top Rate
Annual Fee
$400
Authorized User Fee
$75
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
U.S. Bank Altitude points
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Poor to Excellent
Welcome Offer
50,000
Altitude Points
Spend $4,500 in the first 3 months
Mobile Wallet
3X points on mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay) up to $5,000/billing cycle
Cap: $5,000/monthly
Travel
3X points on travel purchases
Dining
3X points on dining purchases
All Other
1X points on all other purchases
Benefits & Perks
Program & Transfers
Rewards when you want them
U.S. Bank Altitude Rewards is a closed-loop points program tied to the Altitude card family. Unlike Chase Ultimate Rewards or Amex Membership Rewards, Altitude Points cannot be transferred to airline or hotel partners, making them a fixed-value currency. The program's standout feature is Real-Time Rewards, which allows cardmembers to instantly redeem points via text message for qualifying purchases. After making a purchase, you receive a text offering to redeem points; simply reply "REDEEM" to apply points as a statement credit. Following significant changes in December 2025, the Altitude Reserve card (no longer open to new applicants) saw its travel redemption value drop from 1.5 cents to 1.0 cent per point, aligning with other redemption methods. The promised transfer partners have not materialized as of early 2026.
Reviews & Analysis
Details & Terms
| Purchase APR | 21.24%–29.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $75 |
No. As of February 2026, U.S. Bank has no transfer partners despite announcing them in August 2025 for a December 2025 launch. Altitude Points remain a closed-loop, fixed-value currency.
Points expire after 12 consecutive billing cycles (approximately 12 months) without any earning, redeeming, or balance activity on your account. Make at least one purchase per year on each Altitude card to keep points alive.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
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| — | — | View source |
$400
Annual Fee
50,000
Altitude Points · Welcome Bonus
3X
Top Rate
Annual Fee
$400
Authorized User Fee
$75
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
U.S. Bank Altitude points
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Poor to Excellent
Welcome Offer
50,000
Altitude Points
Spend $4,500 in the first 3 months
Mobile Wallet
3X points on mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay) up to $5,000/billing cycle
Cap: $5,000/monthly
Travel
3X points on travel purchases
Dining
3X points on dining purchases
All Other
1X points on all other purchases
Benefits & Perks
Program & Transfers
Rewards when you want them
U.S. Bank Altitude Rewards is a closed-loop points program tied to the Altitude card family. Unlike Chase Ultimate Rewards or Amex Membership Rewards, Altitude Points cannot be transferred to airline or hotel partners, making them a fixed-value currency. The program's standout feature is Real-Time Rewards, which allows cardmembers to instantly redeem points via text message for qualifying purchases. After making a purchase, you receive a text offering to redeem points; simply reply "REDEEM" to apply points as a statement credit. Following significant changes in December 2025, the Altitude Reserve card (no longer open to new applicants) saw its travel redemption value drop from 1.5 cents to 1.0 cent per point, aligning with other redemption methods. The promised transfer partners have not materialized as of early 2026.
Reviews & Analysis
Details & Terms
| Purchase APR | 21.24%–29.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $75 |
No. As of February 2026, U.S. Bank has no transfer partners despite announcing them in August 2025 for a December 2025 launch. Altitude Points remain a closed-loop, fixed-value currency.
Points expire after 12 consecutive billing cycles (approximately 12 months) without any earning, redeeming, or balance activity on your account. Make at least one purchase per year on each Altitude card to keep points alive.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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Total face value: $545
Estimated annual value: $327
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $325 travel credit | $325 | Travel | Annual | |
| $120 Global Entry/TSA PreCheck | $120 | Travel | — | |
| $100 Global Entry/TSA PreCheck | $100 | Travel | — |
Combined Protection Value
$610,800
Up to $500,000 coverage for accidental death or dismemberment when traveling on public transportation or in rental cars booked with the card
Primary coverage up to $75,000 for damage and theft of rental vehicles in the US and abroad
Reimbursement up to $10,000 for covered expenses to restore your identity after a covered stolen identity event
Receive up to $10,000 coverage for emergency medical transportation including air ambulance to the nearest appropriate medical facility when traveling
Coverage for eligible purchases against theft or accidental damage for 90 days from purchase date, up to $10,000 per claim
Up to $3,000 per trip for lost, stolen, or damaged luggage and contents (up to $2,000 per bag for NY residents)
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Charity donation with 100% match (effectively 2cpp) | 1,000 | — | — | — |
| Real-Time Rewards on travel purchases (1cpp instant) | 1,000 | — | — | — |
| Altitude Connect 5x on prepaid portal hotel bookings | 5,000 | — | — | — |
| Altitude Reserve 10x on prepaid portal hotels | 10,000 | — | — | — |
| Deposit to U.S. Bank checking/savings account (1cpp) | 2,500 | — | — | — |
| Gift cards at 1cpp (Amazon, Best Buy, Saks, Macy's) | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$327
Annual Fee
-$400
Net Annual Value
-$73
You can transfer up to 20,000 points per year between Altitude Go and Altitude Connect accounts through the Rewards Center. Altitude Reserve holders can make a one-time transfer to another qualifying Reserve account. Full household pooling is not available.
No. U.S. Bank closed the Altitude Reserve to new applications in November 2024. Existing cardholders can keep and use the card. There is no confirmed date for reopening.
Real-Time Rewards lets you instantly redeem points for qualifying purchases via text message. You must activate it in your online account under My Rewards → Card Benefits → Real-Time Rewards. Choose eligible categories and reply "REDEEM" when you receive a text after a qualifying purchase.
For maximum value, donate to charity through the Rewards Center — U.S. Bank matches 100%, effectively doubling your points to 2cpp. For personal use, Real-Time Rewards and deposits to U.S. Bank accounts both provide 1cpp. Avoid merchandise redemptions (0.5-0.8cpp).
Total face value: $545
Estimated annual value: $327
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $325 travel credit | $325 | Travel | Annual | |
| $120 Global Entry/TSA PreCheck | $120 | Travel | — | |
| $100 Global Entry/TSA PreCheck | $100 | Travel | — |
Combined Protection Value
$610,800
Up to $500,000 coverage for accidental death or dismemberment when traveling on public transportation or in rental cars booked with the card
Primary coverage up to $75,000 for damage and theft of rental vehicles in the US and abroad
Reimbursement up to $10,000 for covered expenses to restore your identity after a covered stolen identity event
Receive up to $10,000 coverage for emergency medical transportation including air ambulance to the nearest appropriate medical facility when traveling
Coverage for eligible purchases against theft or accidental damage for 90 days from purchase date, up to $10,000 per claim
Up to $3,000 per trip for lost, stolen, or damaged luggage and contents (up to $2,000 per bag for NY residents)
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Charity donation with 100% match (effectively 2cpp) | 1,000 | — | — | — |
| Real-Time Rewards on travel purchases (1cpp instant) | 1,000 | — | — | — |
| Altitude Connect 5x on prepaid portal hotel bookings | 5,000 | — | — | — |
| Altitude Reserve 10x on prepaid portal hotels | 10,000 | — | — | — |
| Deposit to U.S. Bank checking/savings account (1cpp) | 2,500 | — | — | — |
| Gift cards at 1cpp (Amazon, Best Buy, Saks, Macy's) | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$327
Annual Fee
-$400
Net Annual Value
-$73
You can transfer up to 20,000 points per year between Altitude Go and Altitude Connect accounts through the Rewards Center. Altitude Reserve holders can make a one-time transfer to another qualifying Reserve account. Full household pooling is not available.
No. U.S. Bank closed the Altitude Reserve to new applications in November 2024. Existing cardholders can keep and use the card. There is no confirmed date for reopening.
Real-Time Rewards lets you instantly redeem points for qualifying purchases via text message. You must activate it in your online account under My Rewards → Card Benefits → Real-Time Rewards. Choose eligible categories and reply "REDEEM" when you receive a text after a qualifying purchase.
For maximum value, donate to charity through the Rewards Center — U.S. Bank matches 100%, effectively doubling your points to 2cpp. For personal use, Real-Time Rewards and deposits to U.S. Bank accounts both provide 1cpp. Avoid merchandise redemptions (0.5-0.8cpp).
Total face value: $545
Estimated annual value: $327
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $325 travel credit | $325 | Travel | Annual | |
| $120 Global Entry/TSA PreCheck | $120 | Travel | — | |
| $100 Global Entry/TSA PreCheck | $100 | Travel | — |
Combined Protection Value
$610,800
Up to $500,000 coverage for accidental death or dismemberment when traveling on public transportation or in rental cars booked with the card
Primary coverage up to $75,000 for damage and theft of rental vehicles in the US and abroad
Reimbursement up to $10,000 for covered expenses to restore your identity after a covered stolen identity event
Receive up to $10,000 coverage for emergency medical transportation including air ambulance to the nearest appropriate medical facility when traveling
Coverage for eligible purchases against theft or accidental damage for 90 days from purchase date, up to $10,000 per claim
Up to $3,000 per trip for lost, stolen, or damaged luggage and contents (up to $2,000 per bag for NY residents)
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Charity donation with 100% match (effectively 2cpp) | 1,000 | — | — | — |
| Real-Time Rewards on travel purchases (1cpp instant) | 1,000 | — | — | — |
| Altitude Connect 5x on prepaid portal hotel bookings | 5,000 | — | — | — |
| Altitude Reserve 10x on prepaid portal hotels | 10,000 | — | — | — |
| Deposit to U.S. Bank checking/savings account (1cpp) | 2,500 | — | — | — |
| Gift cards at 1cpp (Amazon, Best Buy, Saks, Macy's) | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$327
Annual Fee
-$400
Net Annual Value
-$73
You can transfer up to 20,000 points per year between Altitude Go and Altitude Connect accounts through the Rewards Center. Altitude Reserve holders can make a one-time transfer to another qualifying Reserve account. Full household pooling is not available.
No. U.S. Bank closed the Altitude Reserve to new applications in November 2024. Existing cardholders can keep and use the card. There is no confirmed date for reopening.
Real-Time Rewards lets you instantly redeem points for qualifying purchases via text message. You must activate it in your online account under My Rewards → Card Benefits → Real-Time Rewards. Choose eligible categories and reply "REDEEM" when you receive a text after a qualifying purchase.
For maximum value, donate to charity through the Rewards Center — U.S. Bank matches 100%, effectively doubling your points to 2cpp. For personal use, Real-Time Rewards and deposits to U.S. Bank accounts both provide 1cpp. Avoid merchandise redemptions (0.5-0.8cpp).
Coverage up to $2,000 per traveler for non-refundable expenses if you must cancel or interrupt your trip due to covered reasons
Up to $500 per ticket for meals, lodging, and necessities when your trip is delayed more than 6 hours or requires overnight stay
Reimbursement up to $300 per item for eligible items within 90 days if the retailer will not accept the return
Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Count on built-in auto rental coverage when you rent a car.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Accidental death and dismemberment coverage up to $500,000 when traveling on trips purchased with the card.
Reimbursement up to $2,000 for prepaid trip expenses if you must cancel due to illness, injury, or other covered reasons.
Reimbursement for meals, lodging, and essentials up to $500 per day when your trip is delayed 6+ hours.
Extends manufacturer's warranty by up to 1 additional year on eligible purchases with original warranties of 3 years or less
Extends manufacturer warranties by one year on eligible items with 3-year or shorter original warranties.
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Reimbursement up to $3,000 when your baggage is lost or stolen by an airline or carrier during your trip.
Coverage up to $2,000 per traveler for non-refundable expenses if you must cancel or interrupt your trip due to covered reasons
Up to $500 per ticket for meals, lodging, and necessities when your trip is delayed more than 6 hours or requires overnight stay
Reimbursement up to $300 per item for eligible items within 90 days if the retailer will not accept the return
Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Count on built-in auto rental coverage when you rent a car.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Accidental death and dismemberment coverage up to $500,000 when traveling on trips purchased with the card.
Reimbursement up to $2,000 for prepaid trip expenses if you must cancel due to illness, injury, or other covered reasons.
Reimbursement for meals, lodging, and essentials up to $500 per day when your trip is delayed 6+ hours.
Extends manufacturer's warranty by up to 1 additional year on eligible purchases with original warranties of 3 years or less
Extends manufacturer warranties by one year on eligible items with 3-year or shorter original warranties.
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Reimbursement up to $3,000 when your baggage is lost or stolen by an airline or carrier during your trip.
Coverage up to $2,000 per traveler for non-refundable expenses if you must cancel or interrupt your trip due to covered reasons
Up to $500 per ticket for meals, lodging, and necessities when your trip is delayed more than 6 hours or requires overnight stay
Reimbursement up to $300 per item for eligible items within 90 days if the retailer will not accept the return
Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Count on built-in auto rental coverage when you rent a car.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Accidental death and dismemberment coverage up to $500,000 when traveling on trips purchased with the card.
Reimbursement up to $2,000 for prepaid trip expenses if you must cancel due to illness, injury, or other covered reasons.
Reimbursement for meals, lodging, and essentials up to $500 per day when your trip is delayed 6+ hours.
Extends manufacturer's warranty by up to 1 additional year on eligible purchases with original warranties of 3 years or less
Extends manufacturer warranties by one year on eligible items with 3-year or shorter original warranties.
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Reimbursement up to $3,000 when your baggage is lost or stolen by an airline or carrier during your trip.
