US Bank Altitude Reserve: The Underrated Premium Card

The US Bank Altitude Reserve flies under the radar while offering competitive premium benefits. Here’s why it deserves more attention.

The Real-Time Mobile Rewards Twist

3X on all mobile wallet purchases. Apple Pay, Google Pay, Samsung Pay—anywhere that accepts contactless.

Most stores now accept mobile payments. This effectively makes the Altitude Reserve a 4.5% back card (3X × 1.5¢ redemption) on most purchases.

Who Should Get It

Yes if:

• You use Apple/Google Pay frequently
• You want Priority Pass
• You’re not in the Chase/Amex ecosystem already
• You have US Bank relationship (helps approval)

No if:

• You don’t use mobile wallets
• You’re invested in Chase or Amex points
• You can’t get approved (US Bank is conservative)

The Bottom Line

The Altitude Reserve is genuinely competitive with Sapphire Reserve—especially for mobile wallet users. The approval process is challenging, but for those who can get it, it’s an excellent premium card alternative.