Swipe Smart logo

Swipe Smart

Always pick the right card

U.S. Bank Altitude Reserve Visa Infinite Guide

3 data points

85c Bakery

USA

Bakeries

Date

2025-08-01

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD3X

Rewards

60 Altitude Points

Additional Notes

Does not count as restaurant

Sam's Club

USA

General

Date

2025-07-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X (With Bonus Earning)

Rewards

300 Altitude Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1m5h353/recommendations_for_ccs_to_use_at_costco_and_sams/n4cla8z/ - USBAR with Apple Pay gives 3x points.Read more

Costco

USA

General

Date

2025-07-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X (With Bonus Earning)

Rewards

300 Altitude Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1m5h353/recommendations_for_ccs_to_use_at_costco_and_sams/n4cla8z/ - USBAR with Apple Pay gives 3x points.Read more

Quick Rewards Guide for U.S. Bank Altitude Reserve Visa Infinite

💡 Primary Spending Category: The community most frequently reports using the U.S. Bank Altitude Reserve Visa Infinite for "General" transactions as well as for "Bakeries".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 3X points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including 85c Bakery, Sam's Club, Costco. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Altitude Reserve Visa Infinite for?

Based on verified community transactions, the U.S. Bank Altitude Reserve Visa Infinite yields the best return when used for "General" transactions, followed closely by "Bakeries".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.