Selecting an appropriate credit card can be quite a challenge more so due to the existence of so many types currently in the market. Of all the elite credit cards, the U. S. Bank Altitude® Reserve Visa Infinite® Card is one of the best with incredible reward and some of the best perks for travelers and the elites.
Calling this card only a payment method would be incorrect: it is much more than that – it is the key to privileges and large bonuses. In this review, we will discuss what is included in the offer, its features, opportunities and other opportunities of the U. S. Bank Altitude Reserve Visa Infinite Card both at its advantages and disadvantages.
Key information about the credit card
How does the annual fee work?
This U. S. Bank Altitude Reserve Visa Infinite Card is associated with an annual fee of $400. This fee is charged one time per year and is not on monthly as it may be understood in other schools or colleges. For instance, cards holder are allowed up to $325 in statement credits per year for travel and dining with a possibility of cutting the actual price of the card tremendously.
How is the credit limit determined?
The amount of credit limitation for the U. S. Bank Altitude Reserve Visa Infinite Card depend on certain factors indicating the creditworthiness and income of the applicant or his overall financial position. As for the application approval, U. S. Bank evaluates the applicant based on his/her credit score, credit history, and the proportion of existing debt to income.
Advantages of the credit card
- Bonus points: Receive 50,000 points when you make a purchase of $4,500 to $7,500 inside 90 days which can be used on travel and have an estimated value of $750.
- High earning rates: Receive 5 times points on prepaid hotels or car rentals, purchased through the Altitude Rewards Center.
- Travel and mobile wallet rewards: Get 3X points on travel and on purchases made through Apple Pay, Google Pay and Samsung Pay.
- Travel and dining credits: Get up to $325 of annual statement credits when you use your card for travel and dining expenses.
- No foreign transaction fees: Specifically suitable for the travelers, especially those using international cards, as the service does not take 0% fees on the foreign purchases.
Standout advantage
The first and most notable pro of the U. S. Bank Altitude Reserve Visa Infinite Card is the program’s boisterous compensation system. With regards to the Altitude Rewards Center, cardholders could earn up to 5X points on all prepaid hotels and car rentals, hence providing a much faster travel point earning experience.
Disadvantages
- High annual fee: The minimum annual fee that stands at $400 may be an inhibitor to some people from applying for the card.
- Spending requirement for bonus: The only thing that may seem a bit off-putting is the fact that to receive the bonus points, $4,500 has to be spent with the first 90 days.
- Limited redemption options: Redemptions are often done in points and these can only be utilized for traveling hence the card is rigid for people with other preferences.
A standout disadvantage
There is a disadvantage which is the spending requirement to get the bonus points when using the U. S. Bank Altitude Reserve Visa Infinite Card. The welcome offer includes 50 000 bonus points, which are awarded to the cardholders who spend not less than $4 500 within the first 90 days from the moment of card registration.
Who can apply for this card?
Cardholders of U. S. Bank Altitude Reserve Visa Infinite Card require having met the following qualification. The employment opportunity is open to all citizens who are at least 18 years of age, also possession of a social security number is mandatory. Builders want a good to excellent credit rating, which shows that people have managed credit properly in the past.
How to apply for the U. S. Bank Altitude® Reserve Visa Infinite® Card
For the website
Like other credit cards, the U. S. Bank Altitude Reserve Visa Infinite Card can also be applied online; all you have to do is visit the official website of the U. S. Bank and proceed to the credit cards’ details. Go to the ‘Card details’ section and find the card Altitude Reserve card with the ‘Apply now’ link. Then, you will be taken to the application form in which you will be required to fill some demographics such as your name and address as well as social security number and income information.
Please make sure that all details provided in the context of your application are correct and non-incomplete to avoid any delay in the processing of your application. Upon submission, the applicant will then wait for approval from U. S. Bank and normally, it only takes a few minutes to get an approval.
Through the app
Another option is applying through the U. S. Bank mobile app this is a convenient way of applying for U. S. Bank Altitude Reserve Visa Infinite Card. First, you need to go to the App Store or Google Play, and install the U. S. Bank application. Once the app is installed start using it and if you are a new customer you will have to log in or create a new account. Go to credit cards and click the Altitude Reserve card.
Click the ‘Apply now’ button, the procedures for the completion of the form would follow to apply. They are asked to fill personal and financial information. After submitting the application, monitoring the application status is a readily manageable task through the app.
At the branch
If you would like to obtain the U. S. Bank Altitude Reserve Visa Infinite Card in person, you can fill in the application at any branch of the U S bank. Go to the branch that you frequently do your banking and ask to talk to a banker regarding the Altitude Reserve card.
The banker is going to explain to you all the necessary documents for covering and assist you in filling in the application form. Identification must be provided, this can include a driver’s license, and any other necessary documents that might include proof of income.
