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You are right, the U.S. Bank Altitude® Reserve Visa Infinite® Card is not the cheapest offer. It has a $40015 annual fee and APR 22.24% - 29.24% based on your creditworthiness when you open your account15. Fortunately, there are a lot of more beneficial travel credit cards that may come with a $0 annual fee and 0% APR on purchases.

For example, you may pay attention to the Discover it® Miles credit card with no annual fee and 15 months of 0% Intro APR on purchases (go-to 18.24% - 28.24% Variable APR after that). The card allows you to earn 1.5 miles for every dollar spent on all purchases. At the end of the first year, all the miles you've earned will be matched. The earned rewards can be redeemed for any travel purchase (airline tickets, hotel rooms, car rentals, travel agents, online travel sites and commuter transportation), gas station purchases, and dining. You will just need to buy tickets or book hotels, etc. with your card and when the transaction appears on your account, redeem miles towards that transaction within 180 days. In addition, you may redeem your miles for cash as an electronic deposit to your bank account and then spend it on anything you want.