Between the annual $325 credit applicable to "travel" and restaurant purchases charged to the card, and the frequent retention bonuses I've received, I've found that the U.S. Bank Altitude Reserve card has a net annual cost to me of zero -- or less. The card gives four annual Priority Pass visits for the cardholder and four annual Priority Pass guest visits. Priority Pass restaurants are included.

US Bank used to require a pre-existing relationship with them in order to apply for the Altitude Reserve card, but they recently eliminated that requirement.