US Bank
Altitude Reserve
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Card review
Altitude Reserve
US Bank
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$400
Welcome bonus
See issuer
Est. net value
$1,572/yr
Credit score
Varies
Top earn rate
5x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Altitude Reserve from US Bank carries a $400 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $1,287.00 in rewards plus $685.00 in credits and perks — $1,572.00 net per year before welcome bonuses.
How the points work
Earn 5X on prepaid hotel and car rentals booked through the Altitude Rewards Center.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelHotels | 5× |
| Everything elseCar rentals | 5× |
| Everything elseMobile wallet spending | 3× |
| TravelTravel | 3× |
| DiningDining | 3× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Dining and Travel$325/yr
Automatic statement credit(s) totaling up to $325 will be applied to your Account when a Card is used for purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Priority Pass$32/yr
Priority Pass Select; receive four free individual visits and four free individual guest visits to over 1,200 VIP lounges in more than 130 countries and 500 cities worldwide.
- Silver Car Discount
Get up to a 30% discount on Silvercar rentals with no loction, date, or class restrictions.
- Point Bonus
50% bonus when redeeming your points for travel.
- Gogo Wi-Fi$228/yr
Receive 12 Gogo inflight Wi-Fi passes at no charge, a $228 value. Registration reqired.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$400
- Stated credits
- +$425
- Perks (est.)
- +$260
- Net after credits & perks
- $285
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $400 per year.