U.S. Bank Altitude Reserve: what it earns

Updated October 16, 2026 · from RightCard's verified card and merchant data

U.S. Bank Altitude Reserve earns a flat 1x points on everything. We value fixed-value miles at 1¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: not verified yet.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1x points	1¢ cash · 1¢ travel
Supermarkets	1x points	1¢ cash · 1¢ travel
Gas stations	1x points	1¢ cash · 1¢ travel
Travel	1x points	1¢ cash · 1¢ travel
Online shopping	1x points	1¢ cash · 1¢ travel
Drugstores	1x points	1¢ cash · 1¢ travel
Transit & rideshare	1x points	1¢ cash · 1¢ travel
Streaming	1x points	1¢ cash · 1¢ travel
Everything else	1x points	1¢ cash · 1¢ travel

Travel value uses 1¢ per point for fixed-value miles, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

See it against the rest of your wallet →

Other U.S. Bank cards: U.S. Bank Business Triple Cash Rewards · U.S. Bank Cash+ · Altitude Connect

How RightCard handles this: add the U.S. Bank Altitude Reserve in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the U.S. Bank Altitude Reserve earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the U.S. Bank Altitude Reserve earn on everything else?

1x points on purchases outside its bonus categories.

Does the U.S. Bank Altitude Reserve have an annual fee?

We have not verified the fee from two sources yet, so this page does not state one.

How much are U.S. Bank Altitude Reserve points worth?

About 1¢ each toward travel by our conservative estimate for fixed-value miles, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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