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)
Jul 1, 2017, 9:18 am
#361
Join Date: Jun 2002
Posts: 960
Apple Pay has been available in the B&H iOS app for more than 2 years.
Jul 12, 2017, 5:42 pm
#363
Join Date: Dec 2016
Location: SF
Programs: Elite status at local McDonalds, Carwash, and Post Office
Posts: 51
In my post about a week ago I described how I applied for this card and was denied by underwriting for too many new accounts open (6) total in past 12 months. I called in once for recon, and the underwriter said there was no way they could reconsider. Thought I would call back the next day or two and get a different rep, unfortunately got the SAME rep!!?? Figured I was denied and chalked it up as a loss. Oh well.
Almost 8 days later I receive a notice in the mail saying US Bank was unable to process my application and that the information provided was inconsistent. Pretty sure I filled out the app correctly, so I phoned in, thinking what the hell, I have nothing to lose, underwriting already told me I was denied, but let's see where this leads. Called the number on the letter, was transferred to the Altitude Reserve department, and the rep said my email I provided was inconsistent with the name on my application. Told them it was my middle name I use for things like this, and they said ok sure no problem. She then said she would shoot my application over to underwriting for the final review. I'm thinking: great, this was a waste of time. I didn't tell her I already spoke to underwriting and they said I was denied, so off it went for final review (I guess). The rep said my card should be at my house in 2-3 days. I'm thinking "yeah right, ok".
Still thinking I was denied, I woke up a day after that phone call and logged into my US Bank account, and there was a new credit card section and line of credit showing. So I guess I got the card. US Bank is just weird, persistence wins in this case, possibly some luck. Whatever you do, know that underwriting is full of witches waiting to say no for whatever reason.
Almost 8 days later I receive a notice in the mail saying US Bank was unable to process my application and that the information provided was inconsistent. Pretty sure I filled out the app correctly, so I phoned in, thinking what the hell, I have nothing to lose, underwriting already told me I was denied, but let's see where this leads. Called the number on the letter, was transferred to the Altitude Reserve department, and the rep said my email I provided was inconsistent with the name on my application. Told them it was my middle name I use for things like this, and they said ok sure no problem. She then said she would shoot my application over to underwriting for the final review. I'm thinking: great, this was a waste of time. I didn't tell her I already spoke to underwriting and they said I was denied, so off it went for final review (I guess). The rep said my card should be at my house in 2-3 days. I'm thinking "yeah right, ok".
Still thinking I was denied, I woke up a day after that phone call and logged into my US Bank account, and there was a new credit card section and line of credit showing. So I guess I got the card. US Bank is just weird, persistence wins in this case, possibly some luck. Whatever you do, know that underwriting is full of witches waiting to say no for whatever reason.
Jul 13, 2017, 10:47 am
#364
Join Date: Mar 2017
Location: LA
Posts: 46
In my post about a week ago I described how I applied for this card and was denied by underwriting for too many new accounts open (6) total in past 12 months. I called in once for recon, and the underwriter said there was no way they could reconsider. Thought I would call back the next day or two and get a different rep, unfortunately got the SAME rep!!?? Figured I was denied and chalked it up as a loss. Oh well.
Almost 8 days later I receive a notice in the mail saying US Bank was unable to process my application and that the information provided was inconsistent. Pretty sure I filled out the app correctly, so I phoned in, thinking what the hell, I have nothing to lose, underwriting already told me I was denied, but let's see where this leads. Called the number on the letter, was transferred to the Altitude Reserve department, and the rep said my email I provided was inconsistent with the name on my application. Told them it was my middle name I use for things like this, and they said ok sure no problem. She then said she would shoot my application over to underwriting for the final review. I'm thinking: great, this was a waste of time. I didn't tell her I already spoke to underwriting and they said I was denied, so off it went for final review (I guess). The rep said my card should be at my house in 2-3 days. I'm thinking "yeah right, ok".
Still thinking I was denied, I woke up a day after that phone call and logged into my US Bank account, and there was a new credit card section and line of credit showing. So I guess I got the card. US Bank is just weird, persistence wins in this case, possibly some luck. Whatever you do, know that underwriting is full of witches waiting to say no for whatever reason.
Almost 8 days later I receive a notice in the mail saying US Bank was unable to process my application and that the information provided was inconsistent. Pretty sure I filled out the app correctly, so I phoned in, thinking what the hell, I have nothing to lose, underwriting already told me I was denied, but let's see where this leads. Called the number on the letter, was transferred to the Altitude Reserve department, and the rep said my email I provided was inconsistent with the name on my application. Told them it was my middle name I use for things like this, and they said ok sure no problem. She then said she would shoot my application over to underwriting for the final review. I'm thinking: great, this was a waste of time. I didn't tell her I already spoke to underwriting and they said I was denied, so off it went for final review (I guess). The rep said my card should be at my house in 2-3 days. I'm thinking "yeah right, ok".
Still thinking I was denied, I woke up a day after that phone call and logged into my US Bank account, and there was a new credit card section and line of credit showing. So I guess I got the card. US Bank is just weird, persistence wins in this case, possibly some luck. Whatever you do, know that underwriting is full of witches waiting to say no for whatever reason.
Jul 19, 2017, 9:38 pm
#365
Join Date: Sep 2009
Location: Charlotte, NC
Programs: AA Exec Plat, RCplatinum, Hyatt diamond
Posts: 196
I had three US Bank credit cards, 2 Flexperks and Cash+ with oldest card being 2009 as well as checking account when I applied the first day they accepted apps. FICO was just under 700 with 20+ inquiries and I was approved with a decent CL. US Bank is a quirky relationship bank. It's all about their internal scoring model. With the exception of the Chase 5/24 rule I think any decline on the basis of inquiries is just an excuse, not the true reason for a decline, IMHO
Aug 12, 2017, 4:02 pm
#366
Join Date: Aug 2011
Programs: Marriott Gold, Hilton Diamond, Radisson Rewards Gold, Best Western Diamond Select
Posts: 1,856
FYI I was able to to reopen my closed club carlson visa by just providing a couple of pieces of information: income, housing payment, and account number I wish to reopen, at least last 4. They honored my original opening date so the 30 days wasn't an issue either.
Aug 12, 2017, 5:48 pm
#367
Join Date: Sep 2007
Location: San Francisco & London
Programs: UA1k, Oneworld Sapphire, Hyatt Globalist, IHG DiamondAmb, Hilton Diamond, Marriott LTP,
Posts: 1,785
US Bank Requirements
Do you still require some prior relationship with US Bank in order to get approved for this card?
If so how long should you wait before applying?
If so how long should you wait before applying?
Aug 12, 2017, 9:57 pm
#368
Join Date: Jun 2016
Programs: IHG Spire Amb, Marriott Plat, SPG Plat, Hyatt Explorist, United Gold, Hertz 5*
Posts: 4
usbank travel redemption portal is horrible compared to Chase UR. Confirmation emails take days to show up, and there no place on the site to see/modify existing orders
I recently booked a hotel using points and wanted to modify the reservation 10 mins later, so i called to modify it. USBank charges $25 to modify and points takes 1-2 billing cycles to repost.
Definitely won't be keeping this card open for year 2.
I recently booked a hotel using points and wanted to modify the reservation 10 mins later, so i called to modify it. USBank charges $25 to modify and points takes 1-2 billing cycles to repost.
Definitely won't be keeping this card open for year 2.
Aug 18, 2017, 6:22 pm
#369
Join Date: Dec 2016
Location: SF
Programs: Elite status at local McDonalds, Carwash, and Post Office
Posts: 51
So Radpad just emailed me and said my landlord needs to create an account and get paid electronically through direct deposit, which was a major reason I got this card, Radpad allows apple pay (for a fee), but it's still worth it since the points are worth 1.5 cents a piece. But after reading the post above, I will only keep this card for a year. US Bank tried to enter the premium market but is failing.
Aug 18, 2017, 10:33 pm
#370
Join Date: Aug 2017
Posts: 1
Underwriting
1 (800) 685-7680 Us bank under writing department. Request for an increase through customer service then call that number and talk to uw. They pull Experian when applying for new card and all 3 when requesting an increase. I went from 800 to 25k. Then 25k to 33k. Now 33k to 50k. I love us bank. Also if you want something more flexible try Alliant credit union. They give generous lines up to 50k no annual fee. Great points and they work for the people not profit.
Aug 25, 2017, 9:46 pm
#371
Join Date: Aug 2011
Location: IAD
Posts: 166
Does VA ez-pass toll payment count as travel?
Aug 29, 2017, 12:49 pm
#372
Join Date: Jan 2012
Location: South Carolina
Posts: 6
I have a question about the $4,500 spend within 3 month. I did spend $4,500 but got reimbursed $325 for travel expenses, so the net spend is only $4,175. Does anybody know if this is enough to get the bonus?
thanks
thanks
Aug 29, 2017, 2:29 pm
#373
Join Date: Dec 2010
Posts: 1,516
technical question - can I use samsung pay on the gear s3 that is connected via the android phone without cellular service (wi-fi only)? I did set up it, but somehow I have to activate card (altitude) by calling usbank, but how they suppose to see the device where the card is used?
Aug 31, 2017, 6:22 pm
#374
Join Date: Mar 2015
Posts: 333
I am now resigned to using my bonus points as straight up statement credits and being through with the thing.
Sep 5, 2017, 9:40 pm
#375
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
technical question - can I use samsung pay on the gear s3 that is connected via the android phone without cellular service (wi-fi only)? I did set up it, but somehow I have to activate card (altitude) by calling usbank, but how they suppose to see the device where the card is used?