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)
Feb 21, 2020, 7:09 pm
#1171
Join Date: Feb 2020
Programs: yes
Posts: 19
"50,000 bonus Points:One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening........The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account...."
Feb 21, 2020, 10:49 pm
#1172
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
I was looking into this the other day since my 2nd AF just hit. It looks like the updated the TC's at some point to now say
"50,000 bonus Points:One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening........The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account...."
"50,000 bonus Points:One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening........The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account...."
Feb 22, 2020, 10:23 am
#1173
Join Date: Feb 2020
Programs: yes
Posts: 19
I read it to mean lifetime since they don’t specify a time frame like, last 24 or 48 months. I feel like it used to have 24 month language but couldn’t find any confirmation that it was ever different. At this point I would say its looking non-churnable which shouldn’t be terribly surprising considering how anti-MSing is know. To be.
Feb 22, 2020, 7:57 pm
#1174
Join Date: Apr 2017
Posts: 470
Lessons learned from first application that got rejected in Nov:
— Many inquiries doesn’t mean definitely rejection. You can see I still have 6 inquiries even on second attempt of application.
— Go to a branch that is supportive. Have a gut feeling. First attempt was at a branch that they didn’t even know about that card and had to ask many people around...second attempt was at a friendly branch. Not sure if there is a correlation but first time I got that decision in mail response, second time immediate approval. At least when got rejected first time, that first bank manager seems he was careless to appeal and help although they claimed he tried. This time, even though I was mentally prepared for rejection - assumed number of inquiries is a hard rule - I was comfortable psychologically that the second branch is going to help this time.
— Keep a good balance account with them for handful of months. Although my account is 5K, I had monthly automatic deposit feeding it. When I got rejected first time, I applied 2 days after I opened my bank account and only had 2K. Again not sure if there is correlation.
— keep a good credit score. My score has been always high > 750 but first question banker asked me about my score...so seems very important.
thanks everyone and just wanted to add DP
Feb 22, 2020, 8:00 pm
#1175
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
Some good news here! Got approved with > $15K line...You can see that I still have more than 6 inquiries the last 12 months, latest in Nov.
Lessons learned from first application that got rejected in Nov:
— Many inquiries doesn’t mean definitely rejection. You can see I still have 6 inquiries even on second attempt of application.
— Go to a branch that is supportive. Have a gut feeling. First attempt was at a branch that they didn’t even know about that card and had to ask many people around...second attempt was at a friendly branch. Not sure if there is a correlation but first time I got that decision in mail response, second time immediate approval. At least when got rejected first time, that first bank manager seems he was careless to appeal and help although they claimed he tried. This time, even though I was mentally prepared for rejection - assumed number of inquiries is a hard rule - I was comfortable psychologically that the second branch is going to help this time.
— Keep a good balance account with them for handful of months. Although my account is 5K, I had monthly automatic deposit feeding it. When I got rejected first time, I applied 2 days after I opened my bank account and only had 2K. Again not sure if there is correlation.
— keep a good credit score. My score has been always high > 750 but first question banker asked me about my score...so seems very important.
thanks everyone and just wanted to add DP
Lessons learned from first application that got rejected in Nov:
— Many inquiries doesn’t mean definitely rejection. You can see I still have 6 inquiries even on second attempt of application.
— Go to a branch that is supportive. Have a gut feeling. First attempt was at a branch that they didn’t even know about that card and had to ask many people around...second attempt was at a friendly branch. Not sure if there is a correlation but first time I got that decision in mail response, second time immediate approval. At least when got rejected first time, that first bank manager seems he was careless to appeal and help although they claimed he tried. This time, even though I was mentally prepared for rejection - assumed number of inquiries is a hard rule - I was comfortable psychologically that the second branch is going to help this time.
— Keep a good balance account with them for handful of months. Although my account is 5K, I had monthly automatic deposit feeding it. When I got rejected first time, I applied 2 days after I opened my bank account and only had 2K. Again not sure if there is correlation.
— keep a good credit score. My score has been always high > 750 but first question banker asked me about my score...so seems very important.
thanks everyone and just wanted to add DP
Feb 26, 2020, 11:58 am
#1176
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
Does anyone know that if your account ends up having a credit balance from RTR before payment due date, would you still need to send in min payment?
Feb 26, 2020, 1:18 pm
#1177
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: 1,973
Some good news here! Got approved with > $15K line...You can see that I still have more than 6 inquiries the last 12 months, latest in Nov.
Lessons learned from first application that got rejected in Nov:
— Many inquiries doesn’t mean definitely rejection. You can see I still have 6 inquiries even on second attempt of application.
— Go to a branch that is supportive. Have a gut feeling. First attempt was at a branch that they didn’t even know about that card and had to ask many people around...second attempt was at a friendly branch. Not sure if there is a correlation but first time I got that decision in mail response, second time immediate approval. At least when got rejected first time, that first bank manager seems he was careless to appeal and help although they claimed he tried. This time, even though I was mentally prepared for rejection - assumed number of inquiries is a hard rule - I was comfortable psychologically that the second branch is going to help this time.
— Keep a good balance account with them for handful of months. Although my account is 5K, I had monthly automatic deposit feeding it. When I got rejected first time, I applied 2 days after I opened my bank account and only had 2K. Again not sure if there is correlation.
— keep a good credit score. My score has been always high > 750 but first question banker asked me about my score...so seems very important.
thanks everyone and just wanted to add DP
Lessons learned from first application that got rejected in Nov:
— Many inquiries doesn’t mean definitely rejection. You can see I still have 6 inquiries even on second attempt of application.
— Go to a branch that is supportive. Have a gut feeling. First attempt was at a branch that they didn’t even know about that card and had to ask many people around...second attempt was at a friendly branch. Not sure if there is a correlation but first time I got that decision in mail response, second time immediate approval. At least when got rejected first time, that first bank manager seems he was careless to appeal and help although they claimed he tried. This time, even though I was mentally prepared for rejection - assumed number of inquiries is a hard rule - I was comfortable psychologically that the second branch is going to help this time.
— Keep a good balance account with them for handful of months. Although my account is 5K, I had monthly automatic deposit feeding it. When I got rejected first time, I applied 2 days after I opened my bank account and only had 2K. Again not sure if there is correlation.
— keep a good credit score. My score has been always high > 750 but first question banker asked me about my score...so seems very important.
thanks everyone and just wanted to add DP
Feb 26, 2020, 3:45 pm
#1178
Join Date: Dec 2003
Programs: AA Plat Pro, United Silver, Marriott LTT, Hyatt Globalist, Hilton Diamond, IHG Platinum
Posts: 1,120
I didn't. And the account didn't even have a credit balance when the statement closed - the credit was simply enough to cover the previous month's closing balance. I.e. stmt was $300, credit was $350, new spend $450 for ending balance of $400. No interest or fees charged.
Feb 26, 2020, 10:35 pm
#1179
Join Date: Apr 2017
Posts: 470
So my card arrived and nice black package- honestly the best I have seen compared to other 2 premium cards I have had CSR/CNB.
Quick question, what is the consensus on the 4 PP visits? Is it 4 personal plus 4 guests? or total 4? like if you go and have one guest with you, is it 3 left for you or just 2? I know per pure language on the website it sounds like 4 + 4 and not total 4, but want to confirm here so someone can know for sure
Quick question, what is the consensus on the 4 PP visits? Is it 4 personal plus 4 guests? or total 4? like if you go and have one guest with you, is it 3 left for you or just 2? I know per pure language on the website it sounds like 4 + 4 and not total 4, but want to confirm here so someone can know for sure
Feb 26, 2020, 10:41 pm
#1180
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,079
So my card arrived and nice black package- honestly the best I have seen compared to other 2 premium cards I have had CSR/CNB.
Quick question, what is the consensus on the 4 PP visits? Is it 4 personal plus 4 guests? or total 4? like if you go and have one guest with you, is it 3 left for you or just 2? I know per pure language on the website it sounds like 4 + 4 and not total 4, but want to confirm here so someone can know for sure
Quick question, what is the consensus on the 4 PP visits? Is it 4 personal plus 4 guests? or total 4? like if you go and have one guest with you, is it 3 left for you or just 2? I know per pure language on the website it sounds like 4 + 4 and not total 4, but want to confirm here so someone can know for sure
Feb 27, 2020, 5:17 pm
#1182
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,861
If you apply and are approved, how long does it take to receive the card in the mail?
Feb 28, 2020, 2:43 pm
#1184
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,861
Feb 28, 2020, 7:56 pm
#1185
Join Date: Apr 2017
Posts: 470
How I can tell if mobile pay is counted correctly? I have already made some purchases here and there but it says in the transaction posting in payment methods: chip card reader regardless if I swiped or used the apple pay...