US Bank Altitude Reserve Guide

40

The US Bank Altitude Reserve card is US Bank’s challenge to the Chase Sapphire Reserve.  Like the Sapphire Reserve, the Altitude Reserve is a Visa Infinite card that offers 3X on travel; and points can be used to purchase travel for 1.5 cents value per point.  Unfortunately, unlike the Chase card, the Altitude Reserve’s points cannot be transferred to loyalty programs.

a close up of a credit card

Overview

The Altitude Reserve Card is an ultra-premium travel rewards card that offers an excellent return on spend within its bonus categories and very good travel protections.  This card’s killer feature is that it offers 3X rewards for travel and mobile wallet payments.  The latter part is key: anywhere you can pay in-person with Apple Pay, Samsung Pay, Google Pay, or LG Pay you’ll earn 3X doing so.  And with points worth 1.5 cents each, that’s like getting a 4.5% rebate nearly everywhere.

Even though the annual fee is quite high ($400), it is very easy to earn the card’s annual $325 travel & dining credits and so the net fee after rebates is very reasonable.  If you value the rebates at full face value, your annual net cost is only $75.  That’s less than most decent rewards cards (many charge about $95 per year) and yet it has better earning power and travel protections than most.

The Altitude Reserve card’s Achilles heel, in my opinion, is the fact that points are not transferrable to airline or hotel loyalty programs.  Unlike with transferable points programs where it’s possible to seek out high value rewards through transfer partners, with the Altitude Reserve there is no way to get more than 1.5 cents per point value.

Here is everything you need to know…

Dining Offer (Through 6/30/21)

US Bank is offering this temporary pandemic inspired enhancement to the Altitude Reserve card.  This is valid until 6/30/21:

  • Earn 3X points per $1 on takeout, food delivery and dining purchases.
  • No registration required.

U.S. Bank Altitude Reserve Summary

  • Standard Signup Bonus: 50,000 points after $4,500 spend in 90 days
  • $400 Annual Fee
  • Cardholders may redeem 35,000 points to cover the annual fee
  • $325 in annual travel/dining credits automatically applied to account for travel & dining (including take-out and delivery) purchases charged to card. In this context, “annual” means the cardmember’s membership year.
  • Points worth 1.5 cents each when used to purchase travel through the Altitude Rewards Center (flights, hotels, car rentals)
  • Real Time Mobile Rewards: Redeem points for 1.5 cents each for travel purchased directly with the US merchants.  See: US Bank Real-Time Mobile Rewards. What works where?
  • Earn 3X points per dollar for travel and mobile wallet spend; 5X points per dollar on prepaid hotels & car rentals booked through the Altitude Rewards Center; 1X elsewhere
  • There is no cap on 3X earnings
  • Airport Lounge Access via Priority Pass Select (4 free visits per year)
  • 12 complimentary Gogo in-flight Wi-Fi passes per year
  • Travel coverage: Emergency Evacuation and Transportation Coverage; Trip delay and trip cancellation reimbursement.
  • Primary car rental collision damage waiver (No benefit is provided for vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland)
  • Rental car benefits:
    • National Rental Car Emerald Club Executive membership and “and save up to 25% when you rent with National® Car Rental”
    • Avis Preferred Plus membership + save up to 30% on qualifying rentals with Avis®
    • Hertz: “Enjoy special savings, faster service, extra hours on returns and Hertz Gold Plus Rewards® bonus points.”
    • Silvercar: Save up to 30% (register at silvercar.com/partners/vinfinite )
  • Global Entry or TSA Pre Fee Credit
  • No foreign transaction fees
  • Free authorized user cards: US Bank used to charge $75 per authorized user, but they dropped that charge early in 2021.
  • Issued as Visa Infinite
  • Card composition: Engraved stainless steel
  • Guide to benefits: found here.

Key perks not supported by this card

  • Priority Pass Select membership covers only 4 free cardholder visits and 4 free individual guest visits per year.  After those 4 visits, you must pay $32 per person for lounge access.
  • No ability to transfer points to loyalty programs

altitude-reserve-infinite-card-art

Getting the card

Card Offer
$150 cash back ⓘ Non-Affiliate
$150 cash back after $3K spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card no longer features a first-year bonus.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
100k miles ⓘ Affiliate
100k after $8k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$350 Annual Fee
90K miles ⓘ Affiliate
90K miles after $4K spend in 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$350 Annual Fee
110K miles ⓘ Affiliate
110k after $12K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee
100K Miles ⓘ Affiliate
100K miles after $6K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee
80k miles ⓘ Affiliate
80k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$0 introductory annual fee for the first year, then $150
70K miles ⓘ Affiliate
70K miles after $3K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$0 introductory annual fee for the first year, then $150
10K miles ⓘ Affiliate
10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)
No Annual Fee
Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days.
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
150K points after $8K spend in 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 150K after $6k spend (referral only, expired 10/23)
90K Points + 20% back up to $50 ⓘ Friend-Referral
90K points after $6K in purchases in the first 6 months + 20% back on restaurant purchases worldwide for the first 3 months up to $50 back. Terms apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $4K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22]
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: (Expired 2/1/24) 130K referral offer after $10K in spend
This card is no longer available for new applications

(Offer Expires 12/31/2099)
$0 introductory annual fee for the first year, then $175
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K after $1K spend in 3 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K after $1K spend in 3 months. Terms apply.
$95 Annual Fee
Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K after $2K in first 3 months

$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80kK after $6K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
None
This card is no longer available.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None
$350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
$250 back + 0% APR for 12 months ⓘ Affiliate
$250 statement credit after $3k spend within first 3 months and 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & Fees)
No Annual Fee
$250 back ⓘ Affiliate
$250 cash back as reward dollars that can be redeemed as a statement credit after $3K spend in the first 6 months. Terms Apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
Up to $350 back ⓘ Non-Affiliate
Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$125 Amazon Gift Card ⓘ Affiliate
Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)
No Annual Fee
This card is not currently available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Limited Time Offer - 175K Points + free night certificate ⓘ Friend-Referral
175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 4/17/2024)
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Limited Time Offer - 155K points ⓘ Affiliate
155K after $3K spend in 6 months. Terms apply.
(Offer Expires 4/17/2024)
$150 Annual Fee
Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23]
130K Points ⓘ Affiliate
130K after $3K spend in 3 months. Terms apply.
$95 Annual Fee
Limited Time Offer - 100K points ⓘ Affiliate
100K after $2K spend in 6 months. Terms apply. (Rates & Fees)
(Offer Expires 4/17/2024)
No Annual Fee
Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23]
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Limited Time Offer - 185K Points ⓘ Affiliate
185k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 5/1/2024)
$650 Annual Fee
Recent better offer: None. this is the best that we've seen.
Limited Time Offer: Earn 5 Free Night Awards - Valued at up to 50K points each, up to 250K points total. ⓘ Affiliate
Earn five 50k free night certificates after $8K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)
(Offer Expires 3/20/2024)
$125 Annual Fee
Recent better offer: None. this is the best that we've seen.
Limited Time Offer - 155K Points ⓘ Affiliate
155K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 5/1/2024)
$250 Annual Fee
Recent better offer: None. this is the best that we've seen.
$200 Cash Back as a statement credit ⓘ Non-Affiliate
$200 statement credit after $1K in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back as a statement credit ⓘ Friend-Referral
$200 back as a statement credit after $2K in purchases in first 6 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 70K miles ⓘ Non-Affiliate
60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days
$99 Annual Fee
Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days
65K miles after one purchase in first 90 days by entering any 6 digit code (such as 123456)
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50k miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Not currently available
It appears that this card is not available at this time.
$95 Annual Fee
Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days.
70K miles after $1K in spend in 90 days and payment of annual fee. Application requires a promo code. Any five digit number (like 00000) will work.
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
Up to 60K Miles ⓘ Non-Affiliate
Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days
$99 Annual Fee
15K points after $1K spend in 90 days. Application requires a promo code. Any five digit number (like 00000) will work.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $89
Recent better offer: None. This is the best we've seen.
100K Points ⓘ Non-Affiliate
50K after after $4K spend in first 90 days, additional 50K after a total of $15K spend in first year
$95 Annual Fee
Recent better offer: None, this is best we've seen.
$100 Cash back ⓘ Non-Affiliate
$100 cash back after $500 spend in the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 10/31/22: $150 after $500 in spend
10K points after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$300 Cash Back ⓘ Non-Affiliate
$300 statement credit after $3000 spend in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K miles + Companion Fare ⓘ Non-Affiliate
75k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K miles + Companion Fare ⓘ Non-Affiliate
75K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months (enter any random 6-digit number for referral code)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
None
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
70K miles + 100XP ⓘ Non-Affiliate
70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes a $100 statement credit.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K miles + 100XP points [Expired 9/23]
This card is no longer available for new applications

$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K miles
30K after $3K spend in 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K miles
10K after after first purchase
$80 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
65K points + $100 statement credit ⓘ Non-Affiliate
60K points and $100 statment credit after $1K spend in 90 days plus 5K points for adding an authorized user
$0 introductory annual fee for the first year, then $75
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
25K points worth $250 ⓘ Non-Affiliate
25K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 cash bonus ⓘ Non-Affiliate
$200 cash rewards bonus after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$500 statement credit ⓘ Non-Affiliate
$500 statement credit after $5K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
This card is no longer available
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $5K spend in 90 days
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available for new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is not currently available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$300 Cash Back ⓘ Non-Affiliate
$300 after $3000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K after $3K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate
45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available to new applicants
$59 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K after $1K in first 90 days
$59 Annual Fee
Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate
Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)
$95 Annual Fee
Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K Miles ⓘ Affiliate
75k miles after $4k spend within first 3 months. (Rates & Fees)
$395 Annual Fee
Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year
Earn a one-time bonus of 150K miles after $30K spend in the first 3 months
$395 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend.
20K miles ⓘ Affiliate
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
$300 Cash Back ⓘ Non-Affiliate
Earn a one time bonus: $300 after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Miles ⓘ Affiliate
Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
50K after $4,500 spend in 3 months from account opening
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Longer Available
This card is no longer available to new applicants
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$1200 Cash Back ⓘ Affiliate
Earn a one-time cash bonus of $1,200 after $30K spend in the first 3 months. (Rates & Fees)
$150 Annual Fee
Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
$100 Amazon Gift Card ⓘ Affiliate
$100 Amazon gift card upon approval. Terms apply.
No Annual Fee
Up to $100
Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.
No Annual Fee
$150 Cash Back
$150 statement credit after $500 in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$400 Cash Back ⓘ Non-Affiliate
$400 statement credit after $1000 in purchases within first 3 months
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K Avios after $3K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
75K Avios after $3K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
75K Avios after $3K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
50K points after $1K spend in the first 3 months.
$69 Annual Fee
After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 75K after $3K in 3 months [Expired 12/11/23]
60K points after $3K spend in first 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K after $5K spend in first 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K points after $1K spend in the first 3 months.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23]
50K points after $1K spend in the first 3 months.
$149 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23]
100K miles after $5K spend in first 3 months.
(Offer Expires 4/3/2024)
$99 Annual Fee
After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months)
90k miles after $5k spend in first 3 months
$525 Annual Fee
This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 1/27/23: 100K after $5K spend
75K Miles + 1K PQP ⓘ Friend-Referral
75K miles + 1K Premier Qualifying Points after $5K spend in first 3 months.
$450 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K miles after $3K spend in 3 months.
$0 introductory annual fee for the first year, then $95
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 8/11/22: 70K after $3K spend
70K Miles + 500 PQPs ⓘ Friend-Referral
70K miles and 500 PQPs after $4K spend in the first 3 months
$250 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K miles after $1K spend in first 3 months
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 8/11/22: 30K after $1K spend
60K points after $3K spend in the first 3 months.
$95 Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
65K after $4K spend in 3 months
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 12/1/22: 80K after $4K spend
60K after $4K spend in 3 months
$95 Annual Fee
Alternate Offer: There may be elevated offers available by applying in-branch
A similar offer with the first year annual fee waived may be found in-branch. YMMV.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)
0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
100K after $8K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
$1,000 Cash Back ⓘ Friend-Referral
$1K after $10K Spend in 3 Months
$195 Annual Fee
Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 45K points ⓘ Non-Affiliate
Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 6 months.
$95 Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 75K points ⓘ Friend-Referral
60K after $5,000 spend in 3 months , plus an additional 15K points after $12K total spend within 6 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back
$100 after $500 spend in 3 months
No Annual Fee
This card is believed to not be subject to Chase's 5/24 rule
Recent better offer: $200 after $500 spend in 3 months
None
This card is no longer available
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
165K Points ⓘ Non-Affiliate
165K points after $3K spend in 3 months
(Offer Expires 4/3/2024)
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 175K after $3K in spend (expired 4/6/23)
140K points $3K spend in 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
100K Points ⓘ Non-Affiliate
100K points after $2K spend in 3 months
(Offer Expires 4/3/2024)
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 120K after $2K spend (expired 7/4/22)
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
5 x 50K Free Night Certificates ⓘ Friend-Referral
Earn five 50K free night certifcates after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24)
30K points after $1K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
None
This card is no longer available
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K miles after $3,500 spend in first 4 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None, this is the best we've seen.
65K after $4K spend in first 4 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
70K miles ⓘ Affiliate
70K miles after $7,000 spend in first 3 months
$595 Annual Fee
None
This card is no longer available
No Annual Fee
This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$495 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K Points ⓘ Affiliate
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
$95 Annual Fee
None
This card is no longer available
No Annual Fee
20K points ⓘ Affiliate
20K points after $1.5K spend in 3 months
No Annual Fee
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$95 Annual Fee
This card is no longer available to new applicants.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points ⓘ Affiliate
$200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 Citi ThankYou points.
No Annual Fee
20K Points ⓘ Affiliate
20K points after $1500 spend in the first 6 months
No Annual Fee
Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months
No Welcome Bonus ⓘ Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No bonus at this time.
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No standard bonus ⓘ Friend-Referral
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back ⓘ Non-Affiliate
$100 statement credit after $500 spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Back + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$50 + First Year Double + $20/year ⓘ Friend-Referral
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn 40K bonus miles after $2.5K in first 3 months
$79 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate
This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 cash back ⓘ Non-Affiliate
20K points (worth $200) after $3K spend in the first 60 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
12K points after $1K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K points after $2K spend in the first 3 billing cycles
(Offer Expires 4/3/2024)
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
$200 Cash Back ⓘ Non-Affiliate
$200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 back after $1K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K points + 10K Tier Credits ⓘ Non-Affiliate
10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K points after $3K spend in the first 3 billing cycles
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K miles
10K miles after $5K spend in first 3 billing cycles with promo code SPG2020
$70 Annual Fee
Note: Basic card earns 1 mile per $2 spent and has a $20 annual fee. To earn 1 mile per $1 spent, choose the "Premium" rewards for $70 annual fee.
35K points after $3K in 3 months
$0 introductory annual fee for the first year, then $95
Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
No Welcome Bonus ⓘ Non-Affiliate

$0 introductory annual fee for the first year, then $95
Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$150 Cash Back ⓘ Non-Affiliate
$150 in rewards (15K points) after $1000 in purchases in first 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Points ⓘ Affiliate
50K points after $3K spend in 90 days
$95 Annual Fee
15K Points ⓘ Affiliate
15K points after $1,500 spend in 90 days
No Annual Fee
30K after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $85
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
0% APR on balance transfers ⓘ Non-Affiliate
0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
3% back for 12 months ⓘ Non-Affiliate
3% cash back for 12 months on up to $20K in purchases
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
No Annual Fee
After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
35K after $3K spend in 90 days
$95 Annual Fee
Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to $200 in statement credits ⓘ Non-Affiliate
$100 credit with 5G phone offer and $100 statement credit after first purchase
within 90 days of account opening.
No Annual Fee
5% Cashback ⓘ Non-Affiliate
5% cashback for 6 months or $6K in spend
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 50K points (call to apply) ⓘ Non-Affiliate
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $495
Bonus offer is not available to either current or previous UBS credit cardmembers
Up to 50K points (call to apply) ⓘ Non-Affiliate
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $550
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
$150 (call to apply) ⓘ Non-Affiliate
$150 after $5,000 spend in 3 months
$150 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
None
This card is no longer available
$0 introductory annual fee for the first year, then $55
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$0 introductory annual fee for the first year, then $49
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$250 cash back ⓘ Non-Affiliate
$250 after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K after $4.5K spend in 90 days
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $10K spend in 120 days
$195 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K after $6K spend in 180 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K miles
20K miles after first use.
$0 introductory annual fee for the first year, then $75
US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K miles after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K miles after $5K spend in 90 days
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles after $5K in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$500 Cash Back ⓘ Non-Affiliate
$500 cash back after $4500 spend on the account owner's card in first 150 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K after $1,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.
No Annual Fee
Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions.
  • You must be a US Bank customer to get the card.  Many types of US Bank accounts qualify including checking and savings, credit cards, auto loans, investment relationships, CDs, mortgages, etc.
  • Can I open a US Bank account today so that I can apply?  Yes, but you must wait until your banking relationship is recognized before applying for the Altitude Reserve. Banking relationships are usually recognized in less than 5 days, but may occasionally take as long as 35 days.
  • Can I expedite the process of becoming a US Bank customer so that I can apply right away? Yes, if you apply through a US Bank banker, they can contact underwriting to ensure that your application for the card is not declined.
  • You can sign up online or in-branch

Earning the 50,000 point signup bonus

  • You must spend $4,500 within 90 days in order to earn the signup bonus
  • When does the clock start? Upon approval.
  • Does the $400 annual fee count towards the minimum spend requirement? No! In general, fees imposed by your credit card do not count towards spend bonuses.
  • Can I buy gift cards to meet the spend bonus? It is not recommended.  Some have had their accounts shut down when using mobile wallet payments to buy gift cards.
  • Do you have advice on how to meet the spend requirements? Yes, please see: Manufactured Spending Complete Guide.
  • What about the $325 travel credit? Will that increase the spend requirement? Suppose you spend exactly $4,500 within 3 months and receive $325 in travel credits (because some of your spend was on travel expenses). Will you then have to spend $325 more to meet the spend requirements?  I don’t know for certain.  I recommend spending $325 more just in case.

“Travel” Defined

It’s important to note that US Bank has two different definitions for travel.  To earn up to $325 in statement credits for travel purchases and to earn 3X points, they use one definition.  To get 1.5 cents per point value, they use another.

Earning 3X; up to $325 in travel credits; and redeeming via Real Time Mobile Rewards (“travel” defined)

For these purposes, travel is defined as: airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.

For practical info about which types of purchases work with Real Time Mobile Rewards, see: US Bank Real-Time Mobile Rewards. What works where?

Redeeming points for travel at 1.5 cents per point value (“travel” defined)

For this purpose, travel is defined as airfare, hotel stays, and car rentals booked through US Bank’s Rewards Center.

Mobile Wallet Defined

The Altitude Reserve card earns 3X points for mobile wallet purchases. Specifically, the card earns 3X points when it is used with a mobile device to pay through Apple Pay, Google Pay, Samsung Pay, and LG Pay.

Also note that Samsung Pay MST (AKA LoopPay) payments will earn 3X rewards.

Info about Authorized User cards

  • Annual fee: None
  • $325 travel & dining credit? Authorized users do not get their own credits. Travel & dining purchases made on authorized user cards do get reimbursed but it comes out of the same $325 per year bucket as the primary card.
  • Airport Lounge Access? Authorized users will not get their own Priority Pass membership.
  • Gogo Wifi Passes?  I do not think that authorized users get their own Gogo Wifi Passes (but please correct me if I’m wrong!).
  • Primary car rental collision damage waiver? Yes

Details About Altitude Reserve Points

Redeem points for flights, hotels, and car rentals in order to get 1.5 cents per point value.  Points can be redeemed for cash, but only at 1 cent per point value.  You can also redeem 35,000 points for the card’s annual fee, but that only results in 1.14 cents per point value.

Points can be transferred to other Altitude Reserve cardmembers for no fee.  There is a 20,000 point cap per year on such transfers.

Points are not transferable to any airline or hotel programs.

You can buy Altitude Reserve points for 3 cents each, but I’m not sure why you would want to.

Card Perk Details

Points worth 1.5 cents each towards travel

With most bank programs, points are worth 1 cents each. For example, usually a $300 car rental would cost 30,000 points. With the Altitude Reserve card, though, points are worth 50% more when used to purchase travel through the Altitude Rewards Center (flights, hotels, car rentals) or when you pay for travel directly and use Real Time Mobile Rewards. So, a $300 car rental would cost only 20,000 points.

In general, there are big advantages to buying travel directly and redeeming points via Real Time Mobile Rewards.  For one, you can then book directly with the travel provider and so when things go wrong, you won’t have to deal with two different companies pointing fingers at each other.  On the other hand, when purchasing travel through the Altitude Rewards Center, you have the advantage of being able to pay partially with points and partially with credit. If you don’t have enough points for the entire purchase, you can use the points you do have and pay with your credit card for the rest.  Also, the portal doesn’t have minimum transaction requirements the way Real Time Mobile Rewards does.

Real Time Mobile Rewards

a hand holding a phone

Enroll in US Bank’s Real Time Mobile Rewards program in order to redeem points for purchases made directly with merchants. When paying for travel this way, you get the full 1.5 cents value per point.  Keep in mind these restrictions:

  • Works only with US merchants
  • Minimum hotel charge: $500
  • Minimum car rental charge: $250
  • Minimum for other types of travel (airfare, Uber, etc): $10
  • You must have enough points in your account to cover the charge to be eligible to pay with points.

See also: US Bank Real-Time Mobile Rewards. What works where?

$325 in travel/dining credits per year

  • $325 in travel or dining credits is available each cardmember year.
  • Authorized user travel & dining charges are reimbursed, but they count towards the same $325 credit per account. In other words, you cannot get more than $325 back in total by adding authorized users.
  • Any charge that codes as travel or dining will be automatically reimbursed (up to $325 per cardmember year, total).  See “Travel” Defined, above.
  • Both large and small travel purchases count. Small purchases will be reimbursed until a total of $325 has been reimbursed in a calendar year. Large purchases will be reimbursed up to $325.

Global Entry or TSA Pre Fee Credit

  • Simply pay the $100 Global Entry application fee or $85 TSA Pre application fee with the Altitude Reserve card and the fee will be automatically reimbursed.
  • You can get reimbursed once every 4 years
  • You can gift the once per 4 year fee credit to another person, but they would have to be an authorized user on your account, or you would have to let them use your credit card number to pay for their application.

Airport Lounge Access

  • Cardholders are granted membership to Priority Pass Select.
  • This membership covers only 4 free cardholder visits and 4 free individual guest visits per year.
  • After the 4 free visits within your Priority Pass Select membership year (not cardmember year), cardholders must pay $32 per person for lounge access.

Rental car privileges and discounts

  • Primary auto rental collision damage waiver
  • National Rental Car Emerald Club Executive membership and “and save up to 25% when you rent with National® Car Rental”
  • Avis Preferred Plus membership + save up to 30% on qualifying rentals with Avis®
  • Hertz: “Enjoy special savings, faster service, extra hours on returns and Hertz Gold Plus Rewards® bonus points.”
  • Silvercar: Up to 30% off rentals of 2 days or more

Travel Protections

As detailed in our Ultra-Premium Credit Card Travel Insurance Benefits page, the Altitude Reserve card’s travel protections are pretty good, but not as good as those that come with the Chase Sapphire Reserve or Chase Ritz cards.  Travel protection details can be found in the Altitude Reserve Guide to Benefits here.

  • Primary Auto Rental Collision Damage Waiver. Coverage does not apply to rental cars in Israel, Jamaica, Republic of Ireland, or Northern Ireland.
  • Trip Cancellation & Interruption (up to $2K per trip).  You are covered if you pay with the credit card or with points from your card.  It is OK to pay partially with “redeemable certificates, vouchers, or coupons.”
  • Trip Delay: Covers delays of 6 hours or more (max $500 per claim). Coverage requires paying a portion or the entire cost of Your Common Carrier fare with your card or with points from your card.
  • Lost Luggage Reimbursement: Coverage requires paying a portion or the entire cost of the Covered Trip with your card or with points from your card.
  • Travel Accident Insurance: Coverage requires paying the entire common carrier fare with your card (the guide doesn’t explicitly allow for paying with Altitude Reserve points, but this is probably covered as well in my opinion)
  • Emergency Evacuation & Transportation: Up to $10,000. Coverage requires paying a portion of your covered trip with your card or with your Altitude Reserve points.

Purchase Protections

Purchase protection details can be found in the Altitude Reserve Guide to Benefits here.

  • Return Protection: 90 Days, $300 Per Item.
    “If You are disappointed with an item, within ninety (90) days from the date of purchase, and the retailer will not accept a return, You can be reimbursed for the purchase price, up to three hundred dollars ($300.00) per item of personal property, and an annual maximum of one thousand dollars ($1,000.00), per Account.”
  • Extended Warranty Protection: 1 Year Extra Protection.
    “Your warranty coverage can be extended by one (1) additional year on eligible warranties of three (3) years or less.”

Personal Identity Theft

“Personal Identity Theft provides reimbursement up to $10,000 for covered expenses You incur to restore Your identity as a result of a Covered Stolen Identity Event.”

Coverage includes:

Costs to re-file applications for loans, grants, or other credit or debt instruments that were originally rejected by the lender solely on the basis of incorrect information the lender received as a result of a Covered Stolen Identity Event

Costs to report a Covered Stolen Identity Event or to amend or correct records with Your true name or identity as a result of a Covered Stolen Identity Event: including costs incurred for notarizing affidavits or other similar documents, costs for PERSONAL IDENTITY THEFT long-distance telephone calls, and costs for postage

Costs for maximum of four (4) credit reports requested as a result of a Covered Stolen Identity Event from any entity approved by the Benefits Administrator

Actual lost wages for Your time away from Your work premises solely as part of Your efforts to amend or rectify records as to Your true name or identity as a result of a Covered Stolen Identity Event

Reasonable fees for an attorney appointed by the Benefits Administrator and related court fees approved by the Benefits Administrator for suits brought against You by a creditor or collection agency or similar entity acting on behalf of a creditor for nonpayment of goods or services or default on a loan as a result of a Covered Stolen Identity Event

Visa Infinite Benefits

US Bank lists the following Visa benefits:

  • ID Navigator
  • Concierge
  • Visa Infinite Luxury Hotel Collection
  • Food & Wine experiences
  • Visa Infinite Golf Benefit by Troon (access high-end, private clubs around the country and join Troon Rewards ® to receive 15% off golf fees and merchandise at over 95 courses)
  • Silvercar Car Rental Discount
  • Hertz, Avis, and National Car Rental Discounts
  • Relais & Chateaux Benefits (VIP welcome and complimentary breakfast daily)
  • NetJets private jet travel
  • Visa Offers

Details about the above can be found here.

Questions?

Have questions about the U.S. Bank Altitude Reserve? Please comment below.

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Subscribe
Notify of
guest

This site uses Akismet to reduce spam. Learn how your comment data is processed.

40 Comments
newest
oldest most voted
Inline Feedbacks
View all comments