Question 1

Is the Altitude Reserve worth the annual fee?

Accepted Answer

The Altitude Reserve is worth its $400 annual fee if you use most of its 19+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Altitude Reserve benefits expire?

Accepted Answer

Altitude Reserve benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Altitude Reserve benefits?

Accepted Answer

Track Altitude Reserve benefits by: 1) listing all 19+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Altitude Reserve earning rates?

Accepted Answer

The Altitude Reserve earns: 10x on On prepaid car rentals booked through the U.S. Bank Travel Center, 10x on On prepaid hotels booked through the U.S. Bank Travel Center, 5x on On prepaid flights booked through the U.S. Bank Travel Center. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

What lounge access does the Altitude Reserve include?

Accepted Answer

The Altitude Reserve includes airport lounge access. Check your cardmember agreement for specific lounge networks, guest policies, and any visit limits. Premium cards typically include Priority Pass and may have issuer-specific lounges.

Question 6

Does the Altitude Reserve have foreign transaction fees?

Accepted Answer

No, the Altitude Reserve has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Altitude Reserve

Altitude Reserve

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Account Services

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Insurance

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