Who it's for
Cash backTravel credits & perksAirport loungesLounge access
U.S. Bank Altitude Reserve
Existing cardholders only — closed to new applicants in 2024. The 3x on mobile wallet spend (uncapped) is unique. $325 credit + Priority Pass + Global Entry credits make the $400 fee effectively negative for active users.
$677/yrest. value at typical spending
$400annual fee
$325yearly credits
$75fee after credits
Closed to new applicants since November 2024. If you already have it, the quiz still counts it in your wallet.
Find an open card that fits you →| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 3x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 2.4x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back · Airport lounge access
- Closed to new applicants since Nov 2024. Existing cardholders only.
- 3x on mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay) — uncapped
- 3x on travel purchases (direct hotel/airline, car rentals, taxis, parking)
- 1x on everything else
- $325 flexible annual travel and dining credit (auto-applies)
- Priority Pass Select membership (4 lounge visits per year for cardholder + companion)
- Global Entry/TSA PreCheck credit ($120 every 4 years)
Similar cards
- Bilt Palladium Card$495 annual fee$1,844est. value/yr
- Capital One Venture X$395 annual fee$1,817est. value/yr
- Marriott Bonvoy Brilliant$650 annual fee$1,547est. value/yr
- Amex Platinum$895 annual fee$2,674est. value/yr
Your numbers, not ours
See which cards fit your spending
These pages use typical spending. The quiz uses yours and ranks all 50 cards in about 3 minutes. Free, no signup.
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