May 1, 2017, 2:17 am
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)
Apr 1, 2019, 9:52 am
#691
Join Date: Jul 2013
Posts: 244
Just had a $25 Uber ride, and RTR triggered.
But I'd like to use the Travel Credits instead.
Or can I double-dip and use RTR and get the travel credits?
But I'd like to use the Travel Credits instead.
Or can I double-dip and use RTR and get the travel credits?
Apr 1, 2019, 10:46 am
#692
Join Date: Jan 2007
Location: Denver, CO
Programs: Marriott Platinum Premier, UA 1K
Posts: 375
IME you can double dip
Apr 3, 2019, 8:22 am
#693
Join Date: Jul 2013
Posts: 244
Retention: I only got 5K points, but at 1.5 cents that covers the difference between the $325 travel and $400 annual fee. Wish I got 10K, but OK with 5K.
Apr 11, 2019, 11:09 am
#694
Join Date: Jan 2013
Posts: 413
Application DP
I applied and was denied for "5 recent accounts". I have 6 new cards in the last 12 months but the most recent was about a month ago so that may not be on my credit report yet. So assuming the criteria was 5 in the last year being too many. Was surprised to see they were that strict.
I had a Club Carlson card for a couple years from 2013-2015 and have had a Cash+ open for two years.
I applied and was denied for "5 recent accounts". I have 6 new cards in the last 12 months but the most recent was about a month ago so that may not be on my credit report yet. So assuming the criteria was 5 in the last year being too many. Was surprised to see they were that strict.
I had a Club Carlson card for a couple years from 2013-2015 and have had a Cash+ open for two years.
Apr 12, 2019, 12:03 am
#695
Join Date: May 2017
Programs: IHG platinum
Posts: 21
So I was under the understanding that real time rewards for travel purchases earned you 1.5 cpp on redemption. Indeed my first RTR redemption for an Uber charge gave me a value of 1.5cpp. I then received a RTR notification today asking if I wanted to redeem 6500 points for a charge. Since I so far have only been putting travel charges on the card I said yes. Now I have had a chance to see what the 6500 points were for an it was for a $65 EZPass charge.
Is EZPass considered travel by US Bank for purposes of earning 3x?
If a charge earns 3x should I be able to redeem points at 1.5cpp or is the list of categories for 1.5 cpp RTR redemptions different than the list of 3x earning categories.
Hoping to understand a little better. Regardless, I will call to ask if they can make a 1 time exception.
Thanks
Is EZPass considered travel by US Bank for purposes of earning 3x?
If a charge earns 3x should I be able to redeem points at 1.5cpp or is the list of categories for 1.5 cpp RTR redemptions different than the list of 3x earning categories.
Hoping to understand a little better. Regardless, I will call to ask if they can make a 1 time exception.
Thanks
Apr 14, 2019, 6:21 pm
#696
Join Date: May 2015
Posts: 140
Code as cash advance or purchase?
Does anyone know if the card codes as a cash advance or purchase when funding a Citizens Bank checking account? US Bank sets cash advance at 25% of credit limit and I can't lower credit limit below $5k ($1k is max credit card funding at Citizens Bank). Thanks!
Apr 22, 2019, 11:38 am
#697
Join Date: Aug 2018
Posts: 206
Got denied today . Probably 6 cards in last 6 months . 750 score 200k income. Have checking account with them . Sid was too many new accounts . I asked how many is ok and CSR said 3/12. Should I try again? Has anyone else had problems with this ?
Apr 25, 2019, 10:19 pm
#698
Join Date: Jan 2013
Posts: 413
We'll need more datapoints to be sure of course, and unfortunately I'm now at 7/12 and don't plan to be anywhere near 3/12 or 2/12 for the foreseeable future.
May 7, 2019, 2:22 pm
#700
Join Date: Apr 2015
Posts: 21
Called 3 weeks before annual fee comes, was offered 10k point retention offer. Took offer, hopefully points will post.
May 7, 2019, 9:20 pm
#701
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
I was approved at 13/12 recently.
May 7, 2019, 10:07 pm
#702
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
Applied for my second Altitude Reserve (closed first account as it was a joint account) in January. Was 4/6 , 9/12 and 16/24 . Tons of new accounts by any measure of time and was approved for 16.2K. USB banking customer for 3 years, have two other cards with them.
May 8, 2019, 12:09 am
#703
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
When paying online via pay.google.com will it count for 3x?
May 8, 2019, 8:04 am
#705
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
This aligns with my experience, they have some threshold of new accounts in 12 months being automatic denial. If it is 3/12 like the CSR said, I wonder if that means they will approve you with 3 accounts opened in 12 months or if it's really 2/12.
We'll need more datapoints to be sure of course, and unfortunately I'm now at 7/12 and don't plan to be anywhere near 3/12 or 2/12 for the foreseeable future.
We'll need more datapoints to be sure of course, and unfortunately I'm now at 7/12 and don't plan to be anywhere near 3/12 or 2/12 for the foreseeable future.
I have had a mortgage with US Bank since June 2018.