Originally Posted by
trikotret
1. Yes
2. Not sure since I only had the card for 9 months. I read somewhere that CSR has better travel insurance. I wll also be going back to BofA Premium card with $95 fee. Im tired dealing with coupon cards.
This card is only worth it if you fly a lot. Looks like you have a great setup. If you have lots of mobile wallet purchases, i would suggest pairing US Bank Altitude reserve. You get 3x on all travel charges made directly and 3x on mobile walltet category like apple pay and google pay. Those points are 1.5 towards travel charges on card. In other words, you'll earn 4.5% on these categories. My currrent setup going to be bofa premium cards 2.625-3.5, UCR 5.25 online and altitude reserve for apple pay. I say 90% of my charges are apple pay.
Someone on here referred to you as the BOA PR guru I think, so I am going for your recommendation and just opening the Premium Card.
I did have US Bank Altitude Reserve but product changed to a free altitude card after one year. Is it a Pay Yourself Back scenario on the charges? And does it count just flights or things like parking, trains, etc. 4.5% doesn't beat out the CR 5.25 for travel and is the same as CSR. BUT 3% for an instore Apple (Samsung in my case) Pay is already better than 2.625% on BOA PR anyway and if you can get it up to 4.5% wow. So maybe I should have them upgrade back to the Altitude Reserve. I do not have a lot of in store purchases but maybe I can do Google Pay when buying things online and that would work?
THANKS!