US Bank Altitude Reserve Card

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US Bank Altitude Reserve card
  • 50,000 bonus points after $4,500 spend within first 90 days
  • Up to $325 annually in statement credits for eligible travel purchases
  • $400 annual fee
Travel category is defined as follows: purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies
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

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 4 Priority Pass lounge visits for primary cardholder and 1 guest 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 and you must have enough points to cover the whole purchase. For car rentals, the minimum is $250.
  • Some non-US travel charges work with Realtime Rewards even though they shouldn't.



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Old Nov 8, 19, 4:05 pm
  #961  
 
Join Date: Apr 2017
Posts: 213
Originally Posted by akr1970akr View Post
yes, they're fussy about that. and you might read the data points about gift cards & shut downs, if you were thinking of that.
Where to find data point? I am not a churner but would love to avoid the $75 annual fees especially if there are generous retention offers

I am thinking to go soon to the branch and open an an easy checking account with handful of grands to avoid maintenance fee so then I will be eligible for credit card 💳 application

Last edited by good_boy_1234; Nov 8, 19 at 4:27 pm
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Old Nov 9, 19, 12:00 pm
  #962  
 
Join Date: May 2006
Location: Salt Lake City, UT
Posts: 2,834
Retention offer of 10k points offered and accepted. Only spent $4,400 on the card in the first year.
akr1970akr likes this.
michael_v is offline  
Old Nov 9, 19, 2:25 pm
  #963  
FlyerTalk Evangelist
 
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 22,064
Originally Posted by good_boy_1234 View Post
Where to find data point? I am not a churner but would love to avoid the $75 annual fees especially if there are generous retention offers

I am thinking to go soon to the branch and open an an easy checking account with handful of grands to avoid maintenance fee so then I will be eligible for credit card 💳 application
You only need to maintain a $300 daily balance in a US Bank Standard Savings account to avoid maintenance fees on that account.
guv1976 is offline  
Old Nov 10, 19, 4:55 pm
  #964  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,023
I upgraded to some higher level account, which becomes free by virtue of the USB AR, and only keep $5 in it.

I can't remember if it was gold or silver.

Actually given their branch footprint, and general niceness, I should be doing more with them.
akr1970akr is offline  
Old Nov 10, 19, 5:21 pm
  #965  
 
Join Date: Jul 2018
Posts: 280
Originally Posted by Snuupy View Post
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.
Do your gas stations have MST readers? I've used my galaxy S9 lots of times on MST with Samsung pay.
808traveler is online now  
Old Nov 10, 19, 9:58 pm
  #966  
 
Join Date: Apr 2017
Posts: 213
Seems waiting period has recently changed "The U.S. Bank Altitude™ Reserve Visa Infinite® 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!
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Old Nov 11, 19, 12:33 am
  #967  
 
Join Date: Dec 2018
Posts: 36
Originally Posted by good_boy_1234 View Post
Seems waiting period has recently changed "The U.S. Bank Altitude™ Reserve Visa Infinite® 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!
Not sure if branch is near you but I did my in branch on the same day and got approved 2 days later.

If you also have a touch id mac, you can use apple pay on certain websites using the safari browser
808traveler likes this.
mrcaptain is offline  
Old Nov 11, 19, 5:48 am
  #968  
 
Join Date: Aug 2018
Posts: 117
How long does USB take to post bonus? Also, I find their website really annoying. I love how amex shows which transactions get 3x or 5x etc. How are we able to be sure mobile payments correctly tracking? Is there a way in Samsung pay to do this?
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Old Nov 11, 19, 2:42 pm
  #969  
 
Join Date: Apr 2014
Posts: 427
Originally Posted by geoff325 View Post
How long does USB take to post bonus? Also, I find their website really annoying. I love how amex shows which transactions get 3x or 5x etc. How are we able to be sure mobile payments correctly tracking? Is there a way in Samsung pay to do this?
I received the bonus on the statement that followed meeting the MSR. In terms of tracking transactions I generally just keep it simple by only using the card for transactions that give me the 3X bonus (travel or mobile payments) so that the math is simple as the statement does not give you a breakdown per transaction and only the bonus received for each category. In terms of tracking individual transactions, even though it does not show the bonus like Amex, when you look at your transactions online (computer) there's a "More details" link underneath each transaction and when you click on it gives you more information. Within that window that pops up when you hit the "More details" link transactions made using a mobile wallet show "Digital Payment" and "Google Pay" underneath. For other mobile wallets I assume it would show "Samsung Pay" or "Apple Pay" depending on what you use. While this is not the same as showing the bonus, it at least shows you tracking as a mobile wallet payment and that you can expect the bonus to be reflected in your statement. In the end, if you do use your card for transactions that do not get the bonus then you are left with doing some extra math every month to make sure that everything is tracking properly.
halamadrid is offline  
Old Nov 11, 19, 8:10 pm
  #970  
 
Join Date: Apr 2017
Posts: 213
So re the 4 visits, can you have a gues with you? Would it count as part of the 4 so consumes 2?
good_boy_1234 is offline  
Old Nov 12, 19, 6:30 am
  #971  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 3,244
How does this Infinite compare to CNB, UBS, or Ritz?
EasternTraveler is offline  
Old Nov 12, 19, 6:39 am
  #972  
 
Join Date: Mar 2013
Posts: 542
Originally Posted by EasternTraveler View Post
How does this Infinite compare to CNB, UBS, or Ritz?
I think for the right user who doesn’t want to deal with point transfers this card is near unbeatable. The 3 pts per $1 spent on travel and mobile wallet, the ease of redemption of points at full value, an easy to use $325 travel credit, 12 GoGo WiFi passes, and 4 Priority Pass visits makes this IMO the best single card out there for a person with medium level spend (say $30k/yr) and who does any sort of occasional travel.

You may want to consider pairing this card with another cashback card for use at restaurants. I think the SavorOne is a pretty good deal at 3%, no FTF, and no annual fees.
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Old Nov 12, 19, 1:47 pm
  #973  
 
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 684
Any idea if Air-Hotel package purchase from Expedia codes as 3x ?
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Old Nov 12, 19, 2:18 pm
  #974  
 
Join Date: Mar 2013
Posts: 542
Originally Posted by crazyhorse View Post
Any idea if Air-Hotel package purchase from Expedia codes as 3x ?
Expedia supports payment via Apple Pay, so yes.
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Old Nov 12, 19, 2:29 pm
  #975  
 
Join Date: Apr 2017
Posts: 213
Originally Posted by jags86 View Post
Expedia supports payment via Apple Pay, so yes.
How can you do it online? Via iPhone or just saferi browser (e.g., MacBook)?
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