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U.S. Bank Altitude Reserve Visa InfiniteŽ Card Terms and Conditions
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges U.S. Bank Altitude Reserve Visa InfiniteŽ Card
Annual Percentage Rate (APR) for Purchases 16.74%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 16.74%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 24.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies Not applicable
How to Avoid Paying Interest on Purchases Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees U.S. Bank Altitude Reserve Visa InfiniteŽ Card
Annual Fee
Annual Membership Fee
$400
Additional Card Fee
$75 annually per additional card issued.
Transaction Fees
Balance Transfer
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance1
Either 3% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance ATM
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Advance
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Equivalent Advance
Either 4% of the amount of each advance or $20 minimum, whichever is greater.
Overdraft Protection
None
Foreign Transaction
None
Penalty Fees
Late Payment
Up to $38
Returned Payment
Up to $35
Overlimit
None
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
The information about the costs of the card described in this application is accurate as of 10/2017. This information may have changed after this date. To find out what may have changed, call us at 1-844-357-2015 (we accept relay calls) or write to us at P.O. Box 6329, Fargo, ND 58125-6329.
1Not all products receive convenience checks.
How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.
Notice to New York Residents: You may contact the New York state department of financial services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.
Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
By submitting this application, you understand and agree that U.S. Bank National Association (“we”, “us” or “our”), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge.  If we open an Account based on this application, you will be individually liable (or, for joint accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes, and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report.  By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.  By submitting this application, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including any state motor vehicle department) and waive any rights of confidentiality you may have in that information under applicable law. By submitting this application you certify that you read and understood the disclosures here and you agree to the terms of this application.
EXPANDED ACCOUNT ACCESS: Any Card or PIN issued to or selected by you under this Agreement can be used to access multiple checking, savings, line of credit and credit card account(s) held in your name with us or our bank affiliates; and any account you open with us and our affiliates may be accessed by the Card or PIN issued under this Agreement now or in the future. “Expanded Account Access” means use of a card or account number and PIN to conduct a transaction or obtain information at ATMs, over the telephone, through personal computer banking, or via any other available method. If the Card or PIN is for a joint account, the Card or PIN can be used to access all the accounts linked to the Card or PIN Access, whether joint or individual. There are no additional fees or charges for Expanded Account Access, but fees applicable to each applicable account will continue to apply in accordance with the terms of the applicable account agreements. Call Cardmember Service at 844.357.2015 to cancel Expanded Account Access, allowing a reasonable time for cancellation to become effective. If you cancel Expanded Account Access for any account, this Account will not be accessible by any card or PIN other than the Card or PIN issued under this Agreement.
U.S. Bank Altitude Reserve Visa Infinite® Rewards Summary:

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement and Rewards Program Rules for additional information.

U.S. Bank will credit your U.S. Bank Altitude Reserve Visa Infinite Account with 1 Point for every $1 in Net Purchases. Points will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period. We will not award Points for Advances, Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of Points for Purchases or to stop issuing Points for Purchases on the Account, upon notice to you. Upon approval, refer to the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement for full details.

U.S. Bank Altitude Reserve Visa Infinite Cardmembers will earn 2 additional Points for every $1 in Net Purchases during each billing cycle for transactions that a merchant classifies as a travel category transaction (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies). U.S. Bank cannot control how merchants choose to classify their business or transactions and reserves the right to determine which Purchases will qualify. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types (Points will be applied as mobile wallet, not travel).

U.S. Bank Altitude Reserve Visa Infinite Cardmembers will earn 2 additional Points for every $1 in eligible Net Purchases during each billing cycle for any transaction that a merchant classifies as a mobile wallet transaction. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes ApplePay®, Samsung Pay, Android PayTM, Microsoft Wallet. U.S. Bank cannot control how merchants choose to classify their business or transactions and reserves the right to determine which Purchases will qualify.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A., Inc., and the card is available to United States residents only.

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