Elite

U.S. Bank Altitude Reserve

U.S. Bank・Visa・No.077

The mobile-wallet specialist — 3x on anything you tap with Apple Pay makes it a sleeper premium travel card.

✓ Verified · 2026-07-16
🎁 50,000 points = $750 toward travel (spend $4,500 in 90 days)

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.

Reward highlights

Who it's for

Best for travelers who pay by mobile wallet and want 3x on nearly everything.

Good for

Key benefits

Rates & fees

APR and fees are illustrative — confirm current terms on the issuer's site.

Frequently asked questions

Is there an annual fee?

Yes, the Altitude Reserve has a 400 US dollar annual fee, offset by its travel and dining credit.

How do I earn 3x everywhere?

Pay with a mobile wallet like Apple Pay or Google Pay to earn 3x on those purchases.

What credit score is needed?

Excellent credit is expected, typically a score around 740 or higher.

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