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© Copyright 2026 CardRewards. All Rights Reserved.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Good to Excellent
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 | 18.74%–28.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
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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$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Good to Excellent
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 | 18.74%–28.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
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 |
| — | — | View source |
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1.18 cpp (mid: 1)
Credit Required
Good to Excellent
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 | 18.74%–28.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
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 |
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
| 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
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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).
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
| 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
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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).
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
| 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
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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).
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
