These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p> Year 1: $1,538 Year 2: $788 Annual fee $400 Intro bonus Earn a 50,000 point bonus after spending $4,500 in the first 90 days Reward rate 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases Recommended credit score Excellent Foreign transaction fee None The U.S. Bank Altitude Reserve Visa Infinite Card offers multiple ways to redeem your points, including travel, statement credits, online shopping, gift cards, event tickets, and more.