Last edit by: yugi
US Bank Altitude Reserve card
Mobile wallet category is defined as follows: the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes ApplePay®, Samsung Pay,Android Google Pay™, Microsoft Wallet, LG Pay®
Card provides primary CDW coverage in the US for cars up to $75k in value up to 15 days. In other countries coverage is up to 31 days. Excluded countries: Israel, Jamaica, Ireland and Northern Ireland.
Card provides 8 Priority Pass lounge visits per PP membership year.
Direct link to application:
http://mycard.usbank.com/credit/team...e_reserve.html
Point Redemptions
Reconsideration Line: 1-800-947-1444
- 50,000 bonus points after $4,500 spend within first 90 days
- Up to $325 annually (cardmember year NOT calendar year) in statement credits for eligible travel and dining/takeout purchases
- $400 annual fee
- Free authorized users
- 3x on travel and mobile wallet purchases
- 5x on hotel and car rental purchases made via US Bank portal
Mobile wallet category is defined as follows: the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes ApplePay®, Samsung Pay,
Card provides primary CDW coverage in the US for cars up to $75k in value up to 15 days. In other countries coverage is up to 31 days. Excluded countries: Israel, Jamaica, Ireland and Northern Ireland.
Card provides 8 Priority Pass lounge visits per PP membership year.
Direct link to application:
http://mycard.usbank.com/credit/team...e_reserve.html
Point Redemptions
- Redeem at 1.5c per point value for travel purchases made directly at the US Bank travel site
- Redeem at 1.5c per point for travel purchases made at other sites when using the Realtime Rewards feature. Must enroll first.
- Otherwise redeem at 1c per point.
- With Realtime Rewards it's possible to redeem for fees such as Delta award charges for example.
- To redeem for lodging the minimum purchase must be
$500$150 and you must have enough points to cover the whole purchase. For car rentals, the minimum is$250$150. $10 minimum for the rest of the categories. - Some non-US travel charges work with Realtime Rewards even though they shouldn't.
Reconsideration Line: 1-800-947-1444
US Bank Altitude Reserve Card (2017 - 2023)
#946
Join Date: Aug 2017
Programs: Hilton Diamond, IHG Spire Ambassador, Global Entry
Posts: 2,875
The better categories is subjective. I'll be honest, if I wasn't so deep in the UR game, let's say Chase really cut back on the perks, the AR would probably be my next bet. I think it's terribly underrated. The mobile wallet return is huge (I don't see it lasting to be honest). For many people, that is the better deal. For others, the dining return may actually be better. Tossing the CIC, CFU, and CF into the mix overwhelmingly dominates what the AR would give me, albeit with a little extra effort sometimes.
#947
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
What I was referring to (poorly) was around the weak PP that the AR offers. While 4 guests can be nice if you want to bring a lot of people, I think more of us would rather have more than 4 visits. That can be used up in 2 trips. Combined with similar travel returns and better insurance on the CSR, the CSR is the better travel card.
The better categories is subjective. I'll be honest, if I wasn't so deep in the UR game, let's say Chase really cut back on the perks, the AR would probably be my next bet. I think it's terribly underrated. The mobile wallet return is huge (I don't see it lasting to be honest). For many people, that is the better deal. For others, the dining return may actually be better. Tossing the CIC, CFU, and CF into the mix overwhelmingly dominates what the AR would give me, albeit with a little extra effort sometimes.
The better categories is subjective. I'll be honest, if I wasn't so deep in the UR game, let's say Chase really cut back on the perks, the AR would probably be my next bet. I think it's terribly underrated. The mobile wallet return is huge (I don't see it lasting to be honest). For many people, that is the better deal. For others, the dining return may actually be better. Tossing the CIC, CFU, and CF into the mix overwhelmingly dominates what the AR would give me, albeit with a little extra effort sometimes.
Compare a two night $500 Marriott stay with the AR to the CSR:
US Bank — book through Marriott.com via a cashback portal. Earn at least 5000 Bonvoy points depending on your status. Get $16.50 cashback (current highest cashback portal rate on cashbackmonitor). Earn 1500 AR points. Get 2 nights towards Marriott status. Redeem 33,333 points through RTR.
CSR: Book through Chase portal With 33,333 UR. Get none of the extras above.
If you value Bonvoy points at $0.007 each it’s $35 in Bonvoy points plus $16.50 cashback plus $22.50 in AR points = $74 advantage for US Bank vs. Chase.
#948
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
US Bank — book through Marriott.com via a cashback portal. Earn at least 5000 Bonvoy points depending on your status. Get $16.50 cashback (current highest cashback portal rate on cashbackmonitor). Earn 1500 AR points. Get 2 nights towards Marriott status. Redeem 33,333 points through RTR.
Yes, above schema is good if a) one has enough points to offset such spend and b) can book directly with the hotel while knowing that the purchase will be classified as travel and will earn 3 points and there are no, cheaper alternatives offered at OTAs.
But once we go towards some unfamiliar territories, above schema might not be straightforward. I was looking for a place to book at Nikko, Japan and if I would restrict myself to book directly with the hotels, then list of available options would be 1/3 or less compared to what OTAs are offering. Secondly - hotel websites only offering prices without discounts/flexibility at all, while prices for the same properties at OTAs were 15-30% cheaper.
But because OTAs are not classified as 'travel' at USB, you need to find an OTA which offers an app with apple/samsung/google mobile payment option. Agoda is such and works for me 100%
#949
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Do I understand that instead using points (33333 as you mentioned) to book the hotel stay from USB travel portal, one should book the hotel using $, which would give $16.5 additional cashback in form of points and and then use existing points at USB to offset the money paid towards the booking, correct? I do not know what AR and Bonvoy refers to, probably something related to Marriott programm...
Yes, above schema is good if a) one has enough points to offset such spend and b) can book directly with the hotel while knowing that the purchase will be classified as travel and will earn 3 points and there are no, cheaper alternatives offered at OTAs.
But once we go towards some unfamiliar territories, above schema might not be straightforward. I was looking for a place to book at Nikko, Japan and if I would restrict myself to book directly with the hotels, then list of available options would be 1/3 or less compared to what OTAs are offering. Secondly - hotel websites only offering prices without discounts/flexibility at all, while prices for the same properties at OTAs were 15-30% cheaper.
But because OTAs are not classified as 'travel' at USB, you need to find an OTA which offers an app with apple/samsung/google mobile payment option. Agoda is such and works for me 100%
Yes, above schema is good if a) one has enough points to offset such spend and b) can book directly with the hotel while knowing that the purchase will be classified as travel and will earn 3 points and there are no, cheaper alternatives offered at OTAs.
But once we go towards some unfamiliar territories, above schema might not be straightforward. I was looking for a place to book at Nikko, Japan and if I would restrict myself to book directly with the hotels, then list of available options would be 1/3 or less compared to what OTAs are offering. Secondly - hotel websites only offering prices without discounts/flexibility at all, while prices for the same properties at OTAs were 15-30% cheaper.
But because OTAs are not classified as 'travel' at USB, you need to find an OTA which offers an app with apple/samsung/google mobile payment option. Agoda is such and works for me 100%
I suppose if you have no travel expenses which would qualify for a 1.5 cpp RTR redemption then the card isn’t for you, but it is undeniably more flexible than the CSR’s 1.5cpp redemption option.
#950
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,606
#951
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
The killer feature of the AR is Real Time Rewards. It makes your points actually worth 1.5cpp each as opposed to Chase where if you use their travel portal you at best are not getting points for the spend and at worst you are paying inflated pricing, and not benefitting from shopping through a cashback portal, and not earning hotel rewards.
Compare a two night $500 Marriott stay with the AR to the CSR:
US Bank — book through Marriott.com via a cashback portal. Earn at least 5000 Bonvoy points depending on your status. Get $16.50 cashback (current highest cashback portal rate on cashbackmonitor). Earn 1500 AR points. Get 2 nights towards Marriott status. Redeem 33,333 points through RTR.
CSR: Book through Chase portal With 33,333 UR. Get none of the extras above.
If you value Bonvoy points at $0.007 each it’s $35 in Bonvoy points plus $16.50 cashback plus $22.50 in AR points = $74 advantage for US Bank vs. Chase.
Compare a two night $500 Marriott stay with the AR to the CSR:
US Bank — book through Marriott.com via a cashback portal. Earn at least 5000 Bonvoy points depending on your status. Get $16.50 cashback (current highest cashback portal rate on cashbackmonitor). Earn 1500 AR points. Get 2 nights towards Marriott status. Redeem 33,333 points through RTR.
CSR: Book through Chase portal With 33,333 UR. Get none of the extras above.
If you value Bonvoy points at $0.007 each it’s $35 in Bonvoy points plus $16.50 cashback plus $22.50 in AR points = $74 advantage for US Bank vs. Chase.
If one is near the borderline of the $500 cusp, and is reliant on cashing out AR pts via RTR, you might have to push the charge through all at once. In those cases I call the front desk and ask for a prepaid booking, even if not discounted.
AR is a good product and RTR is a very fair system as jags86 notes.
#952
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
I ranked enough points over last 5 month to book two flights for three people totaling >$1200 via AR portal. I decided to book these flights via AR portal because prices for tickets there was about 5% cheaper than at airline's website (VN).
I also have noticed that while all charges via United triggered RTR notifications, with other airlines such notifications were spotty... While all airline charges with SQ, TK, TG were correctly classified as airline charges with 3 points per $ spent, I got RTR notification with TK 50% of cases and did not get any notifications with charges at SQ or TG.
Anyone else have encountered similar pattern with other airlines/hotels?
Thanks
Last edited by invisible; Nov 4, 2019 at 9:32 pm
#953
Join Date: Apr 2018
Posts: 4
I paid my progressive bill with Google Pay online but I'm not positive about getting 3x points. The reason is other Samsung Pay transactions I paid offline has "Digital payment Samsung Pay" marked in transaction details, but nothing special is on this Progressive transaction.
I'll check again once the statement closes on 11/4
I'll check again once the statement closes on 11/4
In my personal case - I'm rather an exception - I live overseas permanently and AR makes perfect sense for me. I can use mobile wallet for close to 99% of my transactions where physical terminal is involved - all terminals here accept mobile/contactless payments. 90% of my AR charges are via mobile wallet (including charges for hotel stays via OTAs supporting mobile wallet) and the rest goes on flights which then can be offsetted by RTRs.
I've been using my Altitude with my Samsung Galaxy S6 I bought refurb on ebay.
I believe we're less rare than we think we are. The only thing I've found that sucks is authorized users must have a SSN and ITIN/no SSN isn't accepted to issue an additional card. AMEX for example allows for passport/foreign driver's license as identification, but US Bank does not. Barclaycard and Synchrony only ask for names. It makes sharing this card a bit more difficult.
4.5% for all in-person purchases with 0 FTF is a goldmine for travelers (grocery, shopping, any purchases made in person)
The only thing I haven't been able to get it working at is gas stations that don't take tap.
#954
Join Date: May 2018
Posts: 26
confirmed Google Pay web checkout on Altitude does not earn 3x
I've been using my Altitude with my Samsung Galaxy S6 I bought refurb on ebay.
I believe we're less rare than we think we are. The only thing I've found that sucks is authorized users must have a SSN and ITIN/no SSN isn't accepted to issue an additional card. AMEX for example allows for passport/foreign driver's license as identification, but US Bank does not. Barclaycard and Synchrony only ask for names. It makes sharing this card a bit more difficult.
4.5% for all in-person purchases with 0 FTF is a goldmine for travelers (grocery, shopping, any purchases made in person)
The only thing I haven't been able to get it working at is gas stations that don't take tap.
I've been using my Altitude with my Samsung Galaxy S6 I bought refurb on ebay.
I believe we're less rare than we think we are. The only thing I've found that sucks is authorized users must have a SSN and ITIN/no SSN isn't accepted to issue an additional card. AMEX for example allows for passport/foreign driver's license as identification, but US Bank does not. Barclaycard and Synchrony only ask for names. It makes sharing this card a bit more difficult.
4.5% for all in-person purchases with 0 FTF is a goldmine for travelers (grocery, shopping, any purchases made in person)
The only thing I haven't been able to get it working at is gas stations that don't take tap.
I called the customer service and they said they will review these two and reply in next statement.
One funny thing is one transaction marked as toll/bridge fee is not considered as travel, and another parking fee is not either. I remember for CSR they were all qualified.
#955
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
I have the same datapoint, two transactions paid with Google Pay online are not showing up as 3x.
I called the customer service and they said they will review these two and reply in next statement.
One funny thing is one transaction marked as toll/bridge fee is not considered as travel, and another parking fee is not either. I remember for CSR they were all qualified.
I called the customer service and they said they will review these two and reply in next statement.
One funny thing is one transaction marked as toll/bridge fee is not considered as travel, and another parking fee is not either. I remember for CSR they were all qualified.
#956
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
It's nothing huge, but just a good general discipline to look at all statements and make sure transactions code the way one expects.
And of course every once in a while you get a happy circumstance when something codes better than you were expecting.
There's the other stuff too, like discovering a family members Subscribe & Save stuff, was getting billed to my credit card, rather than their own which you only realize by reconciling your Amazon orders to your transactions.
#957
Join Date: Apr 2017
Posts: 472
Do I need a prior relationship with US bank like an account before applying to the AR card?
#958
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
#959
Join Date: Aug 2018
Programs: AA Exec Plat, Bonvoy Platinum, Hilton Diamond
Posts: 621
.....
Last edited by Eurynom0s; Nov 8, 2019 at 10:31 am
#960
Join Date: Dec 2015
Posts: 393
A few points that might be useful:
1. Travel Credit was not available after AF posted, but before cardmember year started. I made the mistake of thinking they were the same.
2. 10K retention offer (no spend). Offered 2 months ago.
3. Interval International does not count as a Hotel (it is a timeshare) for the Travel Credit or Points purposes. Barclays Arrival + did code it has a hotel, I believe (or at least they counted it as travel).
1. Travel Credit was not available after AF posted, but before cardmember year started. I made the mistake of thinking they were the same.
2. 10K retention offer (no spend). Offered 2 months ago.
3. Interval International does not count as a Hotel (it is a timeshare) for the Travel Credit or Points purposes. Barclays Arrival + did code it has a hotel, I believe (or at least they counted it as travel).