US Bank Altitude Reserve Visa Infinite

U.S. Bank is no longer accepting new applications for the Altitude Reserve, so this take is for existing cardholders deciding whether to keep it. The card's $400 annual fee is largely offset by a $325 annual travel credit, though that credit applies only to travel purchases paid with a mobile wallet, so it pays to route bookings through Apple Pay or a similar wallet. Unlimited Priority Pass lounge access and up to a $100 Global Entry or TSA PreCheck credit every five years add real value for frequent travelers. The math is simple: if you use the full travel credit each year, your net cost is about $75 for the lounge access and other perks. If your travel has slowed and you would not otherwise spend that credit, the fee is harder to justify, and since you cannot reapply once it is gone, weigh that before closing it.