The U.S. Bank Altitude Reserve Visa Infinite is a personal credit card from U.S. Bank Altitude Reserve Visa Infinite. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 20.49%–28.49% variable after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of good to excellent or higher. Rewards: Earn unlimited 2% cash back on every purchase.. Cash back: unverified. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444.