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 14, 19, 4:44 pm
  #991  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,020
Originally Posted by good_boy_1234 View Post
How does that work? Any similar situations that worked? I am really new at US Bank and only opened a checking account on Sunday. Is it possible that they can do it online or I have to walk in to a branch? According to the person in reconsideration line that it was manually reviewed and rejected...

I know it might be a difficult card but as I said I was never rejected by a card before and got many difficult card before including CNB crystal infinite. I have a great credit score and never had a payment delay.
USB is crazy. I saw dp's in the past that said branch managers can call in, and they might have some sway with recon.

I don't suppose it can hurt. It's not like you'll get shut down for eyeballs on your account.
akr1970akr is offline  
Old Nov 14, 19, 8:00 pm
  #992  
 
Join Date: Dec 2007
Programs: Star Alliance
Posts: 5,368
Originally Posted by good_boy_1234 View Post
How does that work? Any similar situations that worked?.
What worked for me in last May - I opened Premium MM account, dropped there $30K, waited a week, created online account and then opened Altitude card.
Before filling application and once MM account was opened I did called 800 number and asked them - hey I already have MM account/relationship with the bank, is this OK for me to open Altitude account? The guy on other side said - yes.
I applied, got approved within a week (I was posting about the process in the thread, scroll back) and got the card.

Probably $30K in the deposit account was the key point, but I don't know. I also had no new credit cards opened in last three years.
invisible is offline  
Old Nov 17, 19, 11:05 am
  #993  
 
Join Date: Jul 2018
Posts: 280
Originally Posted by guv1976 View Post
A possible work-around is for your wife to first apply for a US Bank credit card that does not require a pre-existing banking relationship (such as the Radisson Rewards Visa). If she is approved for such a card, she could then wait a few months and apply for the AR card.

Edited to add: Other available US Bank credit cards can be found here:

https://www.usbank.com/credit-cards.html
Ok looks like the only way to get her a relationship with a chance of getting approved soon (and me getting an AR too), is for me to apply for AR now with the hopes of approval. Then I could open a deposit account with her as a joint owner.

What do you think would be my approval chances?
Accounts: 4/24, 0/12 and 0/6
AAoA: 5 yrs 11 mos
Inquiries TU: 6/12 and 3/6
TU Score: 783

Last edited by 808traveler; Nov 17, 19 at 11:23 am
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Old Nov 18, 19, 2:35 am
  #994  
 
Join Date: Aug 2018
Posts: 115
So dumb. My wife has a bankruptcy coming off in few months, can't get any chase cards due to this but has amex, Citi etc. At 1/24. Opened checking account in my name 4 months ago. Added her 1 month later. Last month month applied in her name and autoapproval 17k limit with like 715 score....makes no sense but not arguing.
akr1970akr and 808traveler like this.
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Old Nov 19, 19, 9:31 am
  #995  
 
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 684
First renewal fee just posted. Planning to call customer service to ask about a retention offer. For those of you who successfully managed to wrangle 5-10K points, what did you say? Unlike other cards where I have been perfectly fine to cancel (and have) if I dont get a retention offer, this is one card I would like to keep long term since it more than pays for itself due to the 3x earnings at Costco.

What's your opening line?
crazyhorse is offline  
Old Nov 19, 19, 10:02 am
  #996  
 
Join Date: Jul 2018
Posts: 280
Originally Posted by 808traveler View Post
Ok looks like the only way to get her a relationship with a chance of getting approved soon (and me getting an AR too), is for me to apply for AR now with the hopes of approval. Then I could open a deposit account with her as a joint owner.

What do you think would be my approval chances?
Accounts: 4/24, 0/12 and 0/6
AAoA: 5 yrs 11 mos
Inquiries TU: 6/12 and 3/6
TU Score: 783
Yikes! Applied and denied due to too many inquiries. Called to recon and awaiting results.
808traveler is offline  
Old Nov 19, 19, 10:15 am
  #997  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 3,242
Originally Posted by 808traveler View Post
Yikes! Applied and denied due to too many inquiries. Called to recon and awaiting results.
6 inquiries in 12 months?
3 inquiries within the last 6 months?
That is an inquiry ever two months. You will not get approved at US Bank like that. Their algorithm is suspected to be at no more than one inquiry every six months. YMMV
EasternTraveler is offline  
Old Nov 20, 19, 1:43 pm
  #998  
 
Join Date: Aug 2018
Programs: AS MVP
Posts: 308
Originally Posted by guv1976 View Post
You only need to maintain a $300 daily balance in a US Bank Standard Savings account to avoid maintenance fees on that account.
Or just do this: https://www.usbank.com/bank-accounts...g-account.html

It's only a soft pull on your credit report.
Eurynom0s is offline  
Old Nov 20, 19, 1:47 pm
  #999  
 
Join Date: Aug 2018
Programs: AS MVP
Posts: 308
Originally Posted by halamadrid View Post
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.
I met the MSR before by first statement cut and got an email letting me know I'm getting the 50k points but still don't have them. I should get the points after my next statement cuts, then, not a full 8 weeks later?
Eurynom0s is offline  
Old Nov 21, 19, 7:53 am
  #1000  
 
Join Date: Jul 2018
Posts: 280
Originally Posted by EasternTraveler View Post
6 inquiries in 12 months?
3 inquiries within the last 6 months?
That is an inquiry ever two months. You will not get approved at US Bank like that. Their algorithm is suspected to be at no more than one inquiry every six months. YMMV
Still denied on recon. Spoke to UW and I was specifically told that either 2 or 3 inquiries in one year is too many to be approved for AR. Whether it's 2 or 3 depends on other factors in the persons report. They didn't elaborate on what the other factors are.
808traveler is offline  
Old Nov 21, 19, 9:02 am
  #1001  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 3,242
Originally Posted by 808traveler View Post
Still denied on recon. Spoke to UW and I was specifically told that either 2 or 3 inquiries in one year is too many to be approved for AR. Whether it's 2 or 3 depends on other factors in the persons report. They didn't elaborate on what the other factors are.
That is what I have been told, at MAX 1 every 6 months. If you want approval push it out to 1 every 7 months.
EasternTraveler is offline  
Old Nov 21, 19, 10:27 am
  #1002  
 
Join Date: Mar 2013
Posts: 539
Originally Posted by EasternTraveler View Post
That is what I have been told, at MAX 1 every 6 months. If you want approval push it out to 1 every 7 months.
Yea this isn’t true. Wife and I were both auto approved with well over 5 new cards in prior 6 months. Granted this was about 5 months ago but I doubt things have changed.
jags86 is offline  
Old Nov 21, 19, 5:31 pm
  #1003  
 
Join Date: Aug 2018
Programs: AS MVP
Posts: 308
Originally Posted by 808traveler View Post
Still denied on recon. Spoke to UW and I was specifically told that either 2 or 3 inquiries in one year is too many to be approved for AR. Whether it's 2 or 3 depends on other factors in the persons report. They didn't elaborate on what the other factors are.
Do you have a checking account with them? Or did you have no established banking relationship with them when you applied?
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Old Nov 22, 19, 3:10 pm
  #1004  
 
Join Date: Jun 2008
Location: BAY AREA
Posts: 762
Anyone know if toll fees like FasTrack is considered Travel? Would the Travel credits apply to these refills.
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Old Nov 22, 19, 3:29 pm
  #1005  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 3,242
Originally Posted by trikotret View Post
Anyone know if toll fees like FasTrack is considered Travel? Would the Travel credits apply to these refills.
Toll fees are not considered travel.

Last edited by EasternTraveler; Nov 23, 19 at 1:23 pm
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