US Bank Altitude Reserve Visa Infinite

U.S. Bank has stopped accepting applications for the Altitude Reserve, so this is now a card you evaluate for keeping rather than one you can go out and get. For existing holders, the $400 annual fee rests almost entirely on the $325 annual travel credit, and that credit only applies to travel purchases made through a mobile wallet, which is a real condition and not a formality. If you routinely pay with Apple Pay or a similar wallet, the credit is straightforward to use and the effective cost drops to $75 before you count anything else. On top of that sit unlimited Priority Pass Select lounge access and a $100 Global Entry or TSA PreCheck credit every five years, which is enough to justify the remainder for most people who travel regularly. If mobile wallet payments aren't part of how you spend, the credit goes unused and the fee is much harder to defend.