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)
#916
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Information about MM account and autopay feature
Heads up to everyone who has both Altitude and MM account with US Bank and uses MM account to pay CC balances automatically.
As you know, you have an option to schedule automatic - one final and three weekly payments for your CC from US Bank accounts, including the MM account. However, what you need to be aware, is following, quoting from email exchange from US Bank:
I made two transfer to my MM account in addition to scheduled Altitude payments and got that letter.
As you know, you have an option to schedule automatic - one final and three weekly payments for your CC from US Bank accounts, including the MM account. However, what you need to be aware, is following, quoting from email exchange from US Bank:
All financial institutions in the U.S., not just U.S. Bank, are governed by a series of Federal regulations. One of this is Federal Regulation D (Reg D). Reg D governs how funds can be transferred out of a savings account. Per Reg D, there's a limit of 6 times per service cycle that money can transferred electronically out of the account. A $15 non-refundable fee is assessed each time this limit is violated per service cycle. Federal regulations require that we provide a penalty for Reg D violation. As an example, if funds are moved 9 times in one service cycle, then there would be 3 $15.00 fees totaling $45.00. The following transactions are considered electronic ones:
* Transferring funds from the account either manually or as an automatic transfer for Overdraft Protection
* Over the phone with a banker.
* Paying a non-U.S. Bank account using the account and routing number.
Here's the transactions that don't count against that limit:
* Making the transfer at the branch with a teller or other banker
* At an ATM
* Making a payment to a U.S. Bank loan or line of credit
So making 4 scheduled transfers/payments using the account would leave 2 remaining. This account has a service cycle that ends on the 17th business (not calendar) day of the month. For October, that will be the 24th.
Please be aware that if a savings account violates Reg D 3 or more times in a rolling 12 month period, the account will be automatically closed, a new Easy Checking will be opened to replace and any funds in the account will be transferred to that new account.
* Transferring funds from the account either manually or as an automatic transfer for Overdraft Protection
* Over the phone with a banker.
* Paying a non-U.S. Bank account using the account and routing number.
Here's the transactions that don't count against that limit:
* Making the transfer at the branch with a teller or other banker
* At an ATM
* Making a payment to a U.S. Bank loan or line of credit
So making 4 scheduled transfers/payments using the account would leave 2 remaining. This account has a service cycle that ends on the 17th business (not calendar) day of the month. For October, that will be the 24th.
Please be aware that if a savings account violates Reg D 3 or more times in a rolling 12 month period, the account will be automatically closed, a new Easy Checking will be opened to replace and any funds in the account will be transferred to that new account.
#917
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
USB AR (Altitude) Retention Call Data Point
~12k normal mostly 3x bonused spend over last year + have a USB checking/savings a/c
no product changes available
5k pts to keep card open which I accepted.
call took 4min total, and was easy peasy
Citi Retention calls normally take me 20 min of baloney
~12k normal mostly 3x bonused spend over last year + have a USB checking/savings a/c
no product changes available
5k pts to keep card open which I accepted.
call took 4min total, and was easy peasy
Citi Retention calls normally take me 20 min of baloney
#918
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,850
I am comparing this card to the UBS since no other Infinite Visa appears to be readily available anymore.
#919
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: 1,959
#920
Join Date: Oct 1999
Posts: 633
2nd year annual fee just kicked in - called in and was immediately offered 10,000 points as a retention bonus. I accepted.
#921
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
#922
Join Date: Dec 2018
Posts: 191
I recently got the card and working towards the 50,000 welcome bonus. Does the 325 statement credit deduct from the $4500 I have to spend? For example if I pay 500 dollars for a plane ticket does it count 500 towards that $4500 or only $175?
#923
Join Date: Aug 2018
Programs: AA Exec Plat, Bonvoy Platinum, Hilton Diamond
Posts: 621
Does anything other than Google/Samsung/Apple Pay count as a mobile wallet? E.g. Paypal?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
#924
Join Date: Dec 2018
Posts: 191
Does anything other than Google/Samsung/Apple Pay count as a mobile wallet? E.g. Paypal?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
#925
Join Date: May 2018
Posts: 26
Does anything other than Google/Samsung/Apple Pay count as a mobile wallet? E.g. Paypal?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
Also, does it count if you use, say, Apple Pay through Safari, or Google Pay for the Play Store, or Paypal to pay a Progessive bill, or does it have to be from a mobile phone at a terminal in a store?
I'll check again once the statement closes on 11/4
#926
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
There are reports of ApplePay / GooglePay working though.
At least when I look on desktop web checkouts it seems somewhat limited in how many merchants support that.
Sometimes people put things in a basket, and then try their phone based app for the merchant, and in those cases, sometimes ApplePay/GPay are available, when they weren't in desktop version.
I think the core issue is that unless merchants can be convinced that mobile wallets reduce their fraud losses more than their costs increases (since its another layer of payments middlemen) its going to take some time to get more adoption.
I hope Apple card will make this more common everywhere.
#927
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,892
Question - if I make points+USD redemption via travel.usbank.com, will money paid for these reservation count as travel/3x purchases?
#928
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,250
Something that may be common knowledge but Im really not well versed... Return Protection only works for items purchased in the United States. I attempted to use return protection on an item that was shipped from Australia and it was denied due to being purchased abroad. Of course theres no place to find the terms other than the hardcover copy they send you when you sign up so I have no way of verifying if that is really the case or not.
#929
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,978
What is the safest airline to book and cancel within 24 hours for the purpose of redeeming real-time rewards?
#930
Join Date: Dec 2016
Posts: 6
My annual fee is coming up in a few days when my statement cuts and I asked if I could product change my Altitude Reserve to a Flex Perks card and they said that the benefits are different and therefore there was no offer available. They did however offer me 15,000 points for a retention offer. I'll keep it for another year.