U.S. Bank Adds Real-Time Mobile Rewards – Get 1.5¢ Per Point On Travel Purchases (No Need To Use Their Travel Portal)

U.S. Bank has added some called “Real-Time Mobile Rewards”. This new feature allows you to redeem points for 1.5¢ on travel purchases and there is no need to use the U.S. Bank travel portal.

How To Activate

This feature needs to be activated to be usable. You’ll want to do the following:

  • Login on usbank.com
  • Click “My Rewards”
  • Click “Redeem Rewards & Access Card Benefits”
  • Click “Card Benefits”
  • Click “Real-Time Mobile Rewards”
  • Click “Activate”
  • Select the categories you’d like to enable (you’ll want to select the travel categories only)

You might also get 500 points for enrolling in real-time mobile rewards.

How It Works

After you’ve made a qualifying purchase you’ll receive a text message asking if you want to redeem points for it. You then select redeem to use points to pay for the purchase instead of cash. On travel purchases points will be worth 1.5¢ each, all other purchases and points are worth 1¢ each so I’d recommend you only select travel categories to avoid only getting 1¢ per point. There is also a minimum amount for some categories to eligible:

  • Lodging transactions must be at least $500
  • Car rental transactions must be at least $250

What Triggers The 1.5¢ Per Point?

Please share what purchases worked and didn’t work to trigger the 1.5¢ per point redemption and we will add them here.

  • Allegiant: 1
  • Frontier: 1,

Our Verdict

Previously it’s been possible to get 1.5¢ in value when booking through the U.S. Bank travel portal, now that isn’t necessary. This gives you a lot of added flexibility and also means you can:

  • Price compare
  • Stack other discounts and savings
  • Go through a shopping portal

This should be available on the U.S. Bank Altitude & Visa FlexPerks earning cards.

Hat tip to Frequent Miler

 

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Andrew
Andrew

Does anyone know if purchases redeemed for points using RTR still earn points? If so I’ll try to pay for my hotel stay with Samsung Pay to maximize points. Thanks.

Curmudgeon
Curmudgeon

I know this is an old post, but I’ve found a few things that would be good to add to the post:

– You only have 24 hours to redeem against a charge once you get the text
– You can only redeem against your most recent charge, so if you plan to make two charges that qualify, make sure you redeem points after the first text before doing the second charge
– If you have to replace your card due to fraud or loss and get a new card #, YOU MUST RE-ENROLL in real time rewards before making any new redeemable charges.

William Charles

Jr
Jr

Anyone else getting message blocking active error on text when you text back redeen?? I tried it on 2 different phonez and same error

Justin
Justin

I was able to successfully text back “YES” to Enrollment confirmation text on 11/17/2019

Derek
Derek

This worked on an Uber charge, even though the ride was cancelled.

AD
AD

Assuming you cancelled the ride almost immediately, did you get the USB text after cancelling the Uber ride? Curious your steps, because this would be a great way for me to cash out a ~$60 of points…

Papas
Papas

Did NOT work for Fastrak.

Josh
Josh

DP:
Didn’t work on Norwegian (Direct – Ireland Site), Vueling (Direct) and Ryanair (Direct – US Site)

kas141
kas141

Question before I apply and start meeting MS – if I buy one airline giftcard for $750, I can redeem the 50,000 bonus points to cover it? And for the $325 travel credit, could I do another airline giftcard for $325? Need to book 2 expensive flights soon and this would help…

Jr
Jr

The minimum in the post is WRONG. Real time redemption will work with minimum of $10. Just select all travel categories only to maximize the 1.5x rate. I gave had this card for over a year now.

Justin
Justin

Judging from previous posts, it seems like it may just be outdated information. I see that other posts say that the enrollment page had specific limits listed for those categories, however the current enrollment page does not have any such fine print.

Justin
Justin

Well, now that I look at it again, the page does say that the “Minimum purchase amounts for the following categories are preset as follows:
Car Rental $250
Lodging $500”

Now, whether my setting a $10 limit when I configure it is enough to “override” those presets, I’m not sure. Jr above has been able to get $10 credits from hotels, I’ll be super excited to see this work, but I did not get a “Real Time Rewards” notice about my $350 hotels.com purchase. Which could be because it’s my first month (so I don’t have any points yet), or could be because it wasn’t “directly from a hotel”, or it could be that it was below the $500 minimum for that category. Time will tell I suppose.

Andrew
Andrew

My guess is that the Real Time Rewards system will not prompt you to apply points until you have used your $325 annual travel credit. I made a southwest purchase the other day that I was expecting to use points on but the Real Time Rewards did not prompt me. I called customer service to find out why and they couldn’t tell me. A couple days later the travel credit was posted for my flight which confirmed to me that if you have an unused $325 travel credit you do not have the option to do real time rewards for travel purchases. Also, if you do not have enough points to cover a purchase the RTR will not work for a purchase.

AGYB
AGYB

Does the charge have to be made in US dollars?

AGYB
AGYB

Does it work on non US airlines?