OP let us discuss your plans for the two cards.
USBank Altitude Reserve is issued by USBank, not Chase. Points earned on Altitude Reserve are not transferable to any airlines or hotels.
Chase Freedom Unlimited is issued by Chase. Ultimate Reward points earned on the Chase Freedom Unlimited can be transferred by Chase Sapphire Reserve.
Chase Sapphire Reserve is issued by Chase Bank, and earns, can transfer Ultimate Rewards points. There is a travel credit available on CSR, but the resulting net AF is $125.
With that info, does that change your view to how Altitude Reserve and CFU are not linked?
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765