How Much Are U.S. Bank Rewards Altitude Points Worth?

U.S. Bank runs a rewards program for Altitude credit cardholders that lets them use the points they earn in different ways. How much U.S. Bank Rewards Altitude points are worth depends on your card and the redemption method. For example, the U.S. Bank Altitude Reserve Card offers a value of 1.5 cents per point when you redeem your points for travel. In most other cases, you get a value of 1 cent per point. Using your points to purchase merchandise tends to offer the lowest value.

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The Altitude credit card you have will impact the value you receive for your points, as will your redemption method. While there is no official U.S. Bank rewards redemption chart to refer to, determining the value of your points is relatively simple.

The U.S. Bank rewards program for Altitude cardholders manages to hold its own when compared to most other popular credit card rewards programs, all the more so if you have the Altitude Reserve Visa Infinite Card and redeem your points for travel rewards.

No matter which U.S. Bank Altitude credit card you have, you get a value of 1 cent per point when you redeem your points for cash back. This is on par with most other credit card rewards programs and is better than a few.

If you wish to redeem your Altitude points for cash back, you need to log in to your U.S. Bank account and head to the rewards section. There, you can choose to redeem your points for a statement credit.

When redeemed for gift cards, one U.S. Bank point is worth 1 cent. This is the same across all Altitude credit cards. Compared to other popular credit card rewards programs that offer gift cards as a redemption option, this is as good as it gets unless you get better value through promotional offers.

If you're wondering how to use U.S. Bank Rewards Altitude points for gift cards, know that you may do so by logging in to the bank's website or app. Once you log in to your account, go to the rewards section and select Gift Cards. Then, choose from the options on offer and pay for the ones you select using your points.

When redeemed for travel through the Altitude Rewards Center or to cover a travel purchase through Real-Time Rewards, a U.S. Bank Rewards Altitude point's value varies based on the card you have, from 1 cent to 1.5 cents. This is on par with what you may expect through rewards programs run by other leading credit card issuers.

You need to log in to your U.S. Bank account to redeem U.S. Bank Rewards points for travel. While it's possible to add multiple items, such as a flight and a hotel stay, to one itinerary, you cannot add more than one flight to an itinerary.

You may also redeem your points for travel purchases through Real-Time Rewards. In this case, the bank sends you a text message after you make a purchase, and you need to reply indicating you wish to redeem your points to cover the purchase.

The value of U.S. Bank Rewards Altitude points for shopping is usually less than 1 cent per point. As a result, you might be better off redeeming your points as a statement credit or in the form of Real-Time Rewards.

One way to use your points for shopping is by logging in to your U.S. Bank account, heading to the rewards section and making purchases through the bank's online shopping platform. Alternatively, you may enroll in the Real-Time Rewards program and use your points to offset the cost of purchases you make almost immediately.

An easy way to earn a significant number of bonus points in one fell swoop is to meet your new credit card's spend-based requirement. For example, the U.S. Bank Altitude Connect Visa Signature Card offers 50,000 bonus points if you spend $2,000 on purchases in the first 120 days. The Altitude Go Visa Signature Card and the Altitude Reserve Visa Infinite Card come with similar welcome offers.

Bear in mind that it's not possible to redeem your Altitude points as a deposit into a U.S. Bank checking/savings account. If you want this feature, you may benefit by taking a look at what the U.S. Bank Cash+ Visa Signature Card and the U.S. Bank Shopper Cash Rewards Visa Signature Card have to offer.

The U.S. Bank rewards program for Altitude credit cardholders does not have any partner merchants through which you may earn points faster. However, depending on the card you have, you stand to earn bonus points through category-based spending. Bonus categories include travel, dining, grocery stores and gas/EV charging stations.

U.S. Bank does not offer Altitude points for sale. The only way to earn them is by using Altitude credit cards.

MoneyGeek experts have taken a close look at how the value of U.S. Bank Rewards Altitude points changes based on different redemption methods. They have also carried out in-depth market research to determine the worth of your points.

Take a look at answers to other commonly asked questions about the value of U.S. Bank rewards Altitude points to better understand which redemption method might work best for you.