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)
May 21, 2019, 9:38 pm
#736
Join Date: Oct 2015
Posts: 17
Travel Credit
How long does it take for the travel credit to post in year two? I'm keeping the card open for second year due to retention bonus. Booked airfare on B6 and just wondering how long after airfare posts for the $325 travel credit to post? TIA!
May 22, 2019, 11:40 am
#737
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: 1,978
Thanks for informative answers. So I did go ahead and opened both MM and Checking accounts. Afterwards I called the 800 number and confirmed that as long as I have $25000 in my MM savings account, then there will be no account maintenance fees and my MM account will have 2.25% APY. Interest will be credited quarterly.
I already sent two ACH transfers to start funding the account and will wait until they appear in the account. Then I will send remaining funds to get the account to $25K. After that, will wait for a week and apply to AR card. By this time about 10 should be passed from the account opening and it should have $25K in MM and several hundreds in Checking accounts.
Does above approach make sense?
P.S. One unexpected problem - US Bank does not accept Google Voice as a mobile phone number despite the fact that I received messages on it during to account opening.
I am currently overseas, but plan to be in US in mid-June. Is there any way/workaround with above restriction? If I put temporarily real cell number to activate it, can I switch it back to Google Voice afterwards?
If no, is there any SIM available which I can use overseas and won't be bankrupted by roaming SMS charges?
I already sent two ACH transfers to start funding the account and will wait until they appear in the account. Then I will send remaining funds to get the account to $25K. After that, will wait for a week and apply to AR card. By this time about 10 should be passed from the account opening and it should have $25K in MM and several hundreds in Checking accounts.
Does above approach make sense?
P.S. One unexpected problem - US Bank does not accept Google Voice as a mobile phone number despite the fact that I received messages on it during to account opening.
I am currently overseas, but plan to be in US in mid-June. Is there any way/workaround with above restriction? If I put temporarily real cell number to activate it, can I switch it back to Google Voice afterwards?
If no, is there any SIM available which I can use overseas and won't be bankrupted by roaming SMS charges?
May 22, 2019, 11:45 am
#738
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: 1,978
May 24, 2019, 7:39 am
#740
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
May 24, 2019, 10:15 am
#741
Join Date: Aug 2005
Programs: AA LTP, UA, DL, HH, Marriott/SPG
Posts: 585
Second year I was able to get 10K bonus points. I called in last week and asked if there were any offers available. CSR offered me 10K for which I thanked him. Points posted when my statement closed.
May 25, 2019, 11:17 am
#742
Join Date: Dec 2010
Location: NYC
Programs: Kettle Class
Posts: 796
A Real-Time Rewards datapoint: 'gifting' Lyft credit (even to yourself) from within the Lyft mobile app, triggers the redemption and thus Lyft gift cards can be redeemed against at 1.5c per point.
UPDATE: Additional counter-datapoint - I was not offered anything by retention to keep the card into year 3, with circa 8k spend, of which virtually all was organic mobile spend and travel. I'm not sure if I care enough to HUCA.
UPDATE: Additional counter-datapoint - I was not offered anything by retention to keep the card into year 3, with circa 8k spend, of which virtually all was organic mobile spend and travel. I'm not sure if I care enough to HUCA.
Last edited by progapanda; May 26, 2019 at 1:25 pm
May 25, 2019, 1:22 pm
#743
Join Date: Jul 2011
Location: PDX
Programs: AS MVP Gold and hotel status through their credit cards as needed :)
Posts: 268
I called in for retention and was offered 10,000 points by CSR and accepted. Annual fee posted this month.
May 25, 2019, 2:10 pm
#744
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 476
If the Annual fee posted, is it too late to cancel for refund?
May 26, 2019, 11:35 am
#745
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: 1,978
I've got only 5000 points, and accepted. This breaks even on the AF. Love the card.
May 27, 2019, 7:18 am
#746
FlyerTalk Evangelist
Join Date: Mar 2000
Posts: 17,421
I've just been using the card for the travel category bonus, and since I rent a lot of cars in the USA, I do like the primary car rental insurance coverage. But to make the card truly worthwhile, I think I'd have to start using the mobile wallet feature, particularly for some manufactured spending. Is there any guide to doing so? I've only used cell phone payment methods a few times, like when Chase has had some good promos. It still seems like a bit of a hassle to me, but everyone has their price.
What stores have folks been hitting up for this benefit? Like do the Albertsons/Safeway stores accept mobile payments? And I think I'd have to use Google Pay, because I use a non-Samsung android phone.
Last edited by iahphx; May 27, 2019 at 7:24 am
May 27, 2019, 7:31 am
#747
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
Is there any "better" time to call to get a bigger retention bonus? I kind of need 10,000 points to make it worth my while.
I've just been using the card for the travel category bonus, and since I rent a lot of cars in the USA, I do like the primary car rental insurance coverage. But to make the card truly worthwhile, I think I'd have to start using the mobile wallet feature, particularly for some manufactured spending. Is there any guide to doing so? I've only used cell phone payment methods a few times, like when Chase has had some good promos. It still seems like a bit of a hassle to me, but everyone has their price. What stores have folks been hitting up for this benefit? Like do the Albertsons/Safeway stores accept mobile payments? And I think I'd have to use Google Pay, because I use a non-Samsung android phone.
I've just been using the card for the travel category bonus, and since I rent a lot of cars in the USA, I do like the primary car rental insurance coverage. But to make the card truly worthwhile, I think I'd have to start using the mobile wallet feature, particularly for some manufactured spending. Is there any guide to doing so? I've only used cell phone payment methods a few times, like when Chase has had some good promos. It still seems like a bit of a hassle to me, but everyone has their price.
What stores have folks been hitting up for this benefit? Like do the Albertsons/Safeway stores accept mobile payments? And I think I'd have to use Google Pay, because I use a non-Samsung android phone.
May 27, 2019, 11:47 pm
#750
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900