Seems waiting period has recently changed "The U.S. Bank Altitude™ Reserve Visa InfiniteŽ Card is offered to U.S. Bank customers who have an eligible U.S. Bank account relationship open and active a minimum of 5 business days prior to submitting an application."

- Any good data point if applying after a week is enough or still risky?
- Any good ways to get most out of it for 3% given I am an iphone user (not Samsung)?

PS: I am not a churner and hope to keep the card for years!