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)
Nov 23, 2019, 11:09 am
#1008
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
Is there a min dollar amount to redeem points for Travel purchases? Can you use points and cash if you don't have enough points? I read somewhere that min $250 for car rentals and $500 for hotels to be able to use points.
Nov 23, 2019, 9:00 pm
#1009
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
Don't know where that figure comes from - I just redeemed one night stay with points for $93.
Nov 24, 2019, 10:18 am
#1010
Join Date: Dec 2009
Location: DEN
Posts: 502
If you don't have enough points to cover the whole purchase you won't be able to use any points at all.
Nov 24, 2019, 10:20 am
#1011
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
The minimum purchase amount that can be selected is $10 for any other category besides car rentals and lodging. It's listed when you go to edit Real Time Rewards under the Card Benefits tab on the Rewards site. That's also where the minimum $250 car rental and $500 lodging is listed.
If you don't have enough points to cover the whole purchase you won't be able to use any points at all.
If you don't have enough points to cover the whole purchase you won't be able to use any points at all.
Nov 24, 2019, 12:28 pm
#1012
Join Date: Dec 2009
Location: DEN
Posts: 502
I should have specified that Real Time Rewards only notifies/allows a redemption if you have enough points.
Nov 25, 2019, 6:59 am
#1013
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
Thanks for the explanation. So just to confirm, if I have 20k and I book a $400 hotel room, so my 20k points will be equal to $300 and I can put the remaining $100 on my card?
Nov 25, 2019, 9:31 am
#1014
Join Date: Apr 2017
Posts: 470
PS: I am surprised to see now that US bank made 2 hard inquiries within 3 days even though I only applied once...
Dec 2, 2019, 1:17 am
#1016
Join Date: May 2006
Location: CGK & PBI
Programs: Cruise addict and AirBNB Plat :)
Posts: 3,312
I'm late to the party and finally decided to get this USB AR card. I have a somewhat large spend coming up (medical bills and car insurance) totaling about $5K. I came across this thread on FT and decided to read into this card.
For DP's:
I applied on Thanksgiving and received my approval on Saturday. I do have the USB Flex card since '06 (originally Northwest). I only spent $1 on the card every 6 months to keep the account active. I opened 6 cards in the past two years and 3 of the cards were opened since Jan of this year. My credit score is slightly above 825. I didn't freeze ARS and IDA credit reports prior to applying, like some have suggested.
To those who have/had the card, how long before the card arrived in the mail? Am I able to call USB CSR to expedite shipping?
And how fast/reliable is the internet when using the free Gogo passes benefit?
Thank you.
For DP's:
I applied on Thanksgiving and received my approval on Saturday. I do have the USB Flex card since '06 (originally Northwest). I only spent $1 on the card every 6 months to keep the account active. I opened 6 cards in the past two years and 3 of the cards were opened since Jan of this year. My credit score is slightly above 825. I didn't freeze ARS and IDA credit reports prior to applying, like some have suggested.
To those who have/had the card, how long before the card arrived in the mail? Am I able to call USB CSR to expedite shipping?
And how fast/reliable is the internet when using the free Gogo passes benefit?
Thank you.
Dec 5, 2019, 9:59 am
#1017
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 913
Called USB yesterday evening to complain about the $400 annual fee. CSR spoke about some benefits and I responded that I did not have a lot of travel planned for the next year which would make the card worthwhile. He tried to suggest applying for a different card. Eventually I had to ask point blank if he could throw me a bone and I would keep the card. He offered 5000 points which I can redeem for $75 in travel spend and I took it since that effectively makes the card free after the $325 in annual credits. For reference, I had about $14-15K of annual spend in the first year. For those of you who have managed to nab 10K or 15K points, what was your annual spend?
Also, I dont see the points having been credited yet? Do they come right away like Amex or at the end of the statement period?
Also, I dont see the points having been credited yet? Do they come right away like Amex or at the end of the statement period?
Dec 5, 2019, 10:15 am
#1018
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Called USB yesterday evening to complain about the $400 annual fee. CSR spoke about some benefits and I responded that I did not have a lot of travel planned for the next year which would make the card worthwhile. He tried to suggest applying for a different card. Eventually I had to ask point blank if he could throw me a bone and I would keep the card. He offered 5000 points which I can redeem for $75 in travel spend and I took it since that effectively makes the card free after the $325 in annual credits. For reference, I had about $14-15K of annual spend in the first year. For those of you who have managed to nab 10K or 15K points, what was your annual spend?
Also, I dont see the points having been credited yet? Do they come right away like Amex or at the end of the statement period?
Also, I dont see the points having been credited yet? Do they come right away like Amex or at the end of the statement period?
I do like how good the phone service is with this card. It is better than anything else in my card quiver.
For 2020 I plan on using it much more since I am purging some other plastic.
Dec 6, 2019, 6:20 am
#1019
Join Date: Dec 2003
Location: NYC
Posts: 6,428
Am I reading correctly, that I can book travel directly (not through a portal) and Real-Time Mobile Rewards lets me pay at 1.5 cents/point, but I need enough points for the entire purchase (rather than part cash and part points)? In other words, if I want to pay $4,500 for airline tickets, I'd need 300,000 points, which means $100,0000 spending on travel and mobile payments?
Dec 6, 2019, 7:11 am
#1020
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
Am I reading correctly, that I can book travel directly (not through a portal) and Real-Time Mobile Rewards lets me pay at 1.5 cents/point, but I need enough points for the entire purchase (rather than part cash and part points)? In other words, if I want to pay $4,500 for airline tickets, I'd need 300,000 points, which means $100,0000 spending on travel and mobile payments?