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 12, 2019, 12:03 pm
#661
Join Date: Sep 2012
Posts: 4,431
Ah, makes sense. My card renews in a few months and I’m not positive I’m renewing it. 3x mobile is nice but between my other cards, I have most my major spend categories covered.
Feb 12, 2019, 5:37 pm
#662
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Maybe full service restaurants and stuff like that. However many places which claim Apple Pay or GPay, don't seem to actually have them operational.
And I'm not even doing the Samsung Gear S3 MST thing, which can supposedly work wherever swiping can work.
I figure I'd have to spend 10k to make up the cost of buying one of those ($200 device / 2% advantage over other payment methods), given that I wouldn't normally use that over my regular old school watches.
Can't see this benefit lasting as the technology gets more widely adopted.
USB is going to have to cap it or reduce the rate.
Feb 12, 2019, 7:11 pm
#663
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,503
Personally I find it is increasingly the exception that a place won't take contactless now.
Maybe full service restaurants and stuff like that. However many places which claim Apple Pay or GPay, don't seem to actually have them operational.
And I'm not even doing the Samsung Gear S3 MST thing, which can supposedly work wherever swiping can work.
I figure I'd have to spend 10k to make up the cost of buying one of those ($200 device / 2% advantage over other payment methods), given that I wouldn't normally use that over my regular old school watches.
Can't see this benefit lasting as the technology gets more widely adopted.
USB is going to have to cap it or reduce the rate.
Maybe full service restaurants and stuff like that. However many places which claim Apple Pay or GPay, don't seem to actually have them operational.
And I'm not even doing the Samsung Gear S3 MST thing, which can supposedly work wherever swiping can work.
I figure I'd have to spend 10k to make up the cost of buying one of those ($200 device / 2% advantage over other payment methods), given that I wouldn't normally use that over my regular old school watches.
Can't see this benefit lasting as the technology gets more widely adopted.
USB is going to have to cap it or reduce the rate.
And that's not even talking about the numerous smaller businesses/restaurants that simply will not let customers touch their terminals (and with stuff like this video I'm not sure they're being completely unreasonable). At least at those, contactless cards have a chance at being used wirelessly instead of just being inserted, even if it's the employee doing it.
Feb 13, 2019, 12:37 pm
#664
Join Date: Apr 2014
Posts: 539
I'm sort of in the same boat in thinking that I'm not renewing the card. In places where I'd normally use mobile (supermarkets, drugstores) I get better returns with other cards. For places that are not under any category I find that I prefer getting 2X MR with my BBP than this card. I guess it's all about the pooling effect with flexible earning currencies (MR, UR, TYP) that sort of makes this the odd card out. I like the card, but can't find a way to justify even the net AF.
Feb 13, 2019, 2:28 pm
#665
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 913
If you shop at Costco a lot, this is probably the only card that generates a higher return than even the Citi Costco card. At a 4.5% return, you only need to spend $1,667 (at Costco) to recoup the $75 net annual fee.
Even if you already have the Costco card which gives a 2% rebate, you break even at $3,000 at the warehouse.
Even if you already have the Costco card which gives a 2% rebate, you break even at $3,000 at the warehouse.
Feb 14, 2019, 2:20 pm
#666
Join Date: Apr 2014
Posts: 539
If you shop at Costco a lot, this is probably the only card that generates a higher return than even the Citi Costco card. At a 4.5% return, you only need to spend $1,667 (at Costco) to recoup the $75 net annual fee.
Even if you already have the Costco card which gives a 2% rebate, you break even at $3,000 at the warehouse.
Even if you already have the Costco card which gives a 2% rebate, you break even at $3,000 at the warehouse.
Things change I guess and I'm keeping the card. Retention offer made it a no brainer. Time to dust it off as I now I have an incentive to use it more.
Last edited by halamadrid; Feb 22, 2019 at 1:59 pm
Feb 28, 2019, 4:24 pm
#667
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 913
Feb 28, 2019, 5:25 pm
#668
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
Mar 2, 2019, 9:03 pm
#670
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Mar 2, 2019, 11:04 pm
#671
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
Mar 4, 2019, 5:22 am
#672
Join Date: Dec 2015
Posts: 393
Might be a long shot. Anyone have any DPs on if Interval International counts as travel? It is a timeshare company.
Mar 10, 2019, 4:49 pm
#673
Join Date: Oct 2017
Posts: 84
Real Time Rewards, is non-US Possible? LATAM Argentina
In the T&C for Real Time Rewards, I see it says, "Real-Time Rewards text messages are available only for transactions with U.S. merchants." Do they generally hold to that? I'm interested in using my card to buy airline tickets through LATAM's Argentina Website. If I buy through there, the ticket is only $99, vs. $164 through the USBank/flexperks travel site (and most every other US travel agency). So I'd be really happy if I could pay the $99 and then be able to pay with points via RTR. But obviously it is bad if I can't redeem it at all.
Does USBank ever let people call in after the fact and say, "I didn't get a RTR text, but I'd like to redeem against this purchase."?
Does USBank ever let people call in after the fact and say, "I didn't get a RTR text, but I'd like to redeem against this purchase."?
Mar 10, 2019, 5:03 pm
#674
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
In the T&C for Real Time Rewards, I see it says, "Real-Time Rewards text messages are available only for transactions with U.S. merchants." Do they generally hold to that? I'm interested in using my card to buy airline tickets through LATAM's Argentina Website. If I buy through there, the ticket is only $99, vs. $164 through the USBank/flexperks travel site (and most every other US travel agency). So I'd be really happy if I could pay the $99 and then be able to pay with points via RTR. But obviously it is bad if I can't redeem it at all.
Does USBank ever let people call in after the fact and say, "I didn't get a RTR text, but I'd like to redeem against this purchase."?
Does USBank ever let people call in after the fact and say, "I didn't get a RTR text, but I'd like to redeem against this purchase."?
the consensus on MyFico is that charges originating in another country will not be counted as they aren’t US merchants.
Ive seen reports of buying plane tickets for foreign carriers but purchased through the US version of the website AND departing from a US city have gotten credited as the merchants account are located within the USA.
This is of course is a YMMV situation. There’s reimbursement report if you search google for Altitude Reserve real time rewards.
Doubtful USB will help you if RTR doesn’t work as the reps lack knowledge amount how the program even operates.
Mar 14, 2019, 11:47 am
#675
Join Date: Jan 2015
Posts: 7
Any data points on people just passing the one year mark, getting the $325 travel credit for year 2 and then cancelling immediately and getting AF refunded?