Posted by William Charles on June 19, 2019
Credit Cards

Published on June 19th, 2019 | by William Charles

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U.S. Bank Altitude Reserve – Not Churnable

In March we shared an article in a recap post stating that the U.S. Bank Altitude Reserve card was churnable and at least one person was able to churn it with the existing card still open. That no longer seems to be the case as reported by US Credit Card Guide. Bit of a bummer, but getting approved for U.S. Bank cards has always been difficult for most people.



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Frank
Frank

The question is whether the terms said you wouldn’t get the bonus again. If they did then yeah that sucks. If not then I’d fight for the points

Snuupy
Snuupy

In the welcome email:

“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. Points are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus Points to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer. ”

>The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account.

el_pistolero
el_pistolero

Do you know if the other Flexperks cards are churnable or not?

Brandonduh
Brandonduh

I’ve had the business version twice and received the bonus on both. First one was closed before applying for the second. Second one applied in Feb 2018

john
john

ive done the personal twice but closed the first as well before applying the 2nd

BW
BW

How did you use the points?

Steven
Steven

On the upside, I really like the card as a spending card. The mobile wallet and Samsung Pay is great to use and so far, the Priority Pass still includes restaurants, albeit limited to 4 visits per year. I’ve cancelled my CSR and will likely be cancelling my AMEX Business Plat but the US Bank AR will be staying.

Dheeraj
Dheeraj

Isn’t it only the first year?

Steven
Steven

Not sure exactly what you’re referring to but everything I mentioned is permanent.

chris paynter
chris paynter

Agreed. I nearly cancelled my Altitude after the first year, and held on only because when I called to cancel, CS give me a 10k retention bonus.

But then I got onboard with real-time redemption, Costco started accepting NFC meaning effectively 4.5% at Costco, wife got a Samsung phone which meant 4.5% almost everywhere else and I realized that I could overcome that $75 effective annual fee pretty easily versus a 2% (or even 2.5%) card. Right now, just based on effective cashback, I’m seeing this card as worth about $175 (after subtracting the annual fee) to me every year.

And then on top of all that, I discovered the joys of airport lounge access with Priority Pass.

No, this card is a keeper.

MoreSun
MoreSun

LOL because ditto. I would have cancelled without the 10k retention bonus but in it’s 2nd year I’m getting more use out of the 3x mobile payments and I have the 1.5x RTR down. I’m gonna keep it as well now.

james
james

I think only one person ever got it, it might be a flute dp

dk
dk

fluke you mean?

NKB
NKB

Is there a work around, other than applying for a different USB card, to get the AR if you are in a non-USB state? Checking/savings/CDs are a no-go last I checked.

Steven
Steven

By no go do you mean you don’t want one of those products? I did checking and I think any of those that you mentioned should work.

NKB
NKB

I cannot get a checking/savings/cd account living in New York. I spent about 45 min with various reps the other day and it seems the only option is to get a different card, wait five days, and apply for AR.

Steven
Steven

Ohh I had missed the part where you said non-USB state. Yeah then I think your only option would be another credit card. The Cash+ is really good and I think that’s a card everyone should have anyway. It’s 5% cash back on 2 categories you choose and 3% on 1 category you choose. The 3% isn’t interesting but the 5% is. The categories always stay the same and I pick Utilities and Cable/Internet providers. Can’t get 5% back on those things anywhere else so it’s a card I got solely for those categories.

Jr
Jr

I too can confirm i never got the second bonus for the card. The perso who originally claimed he did must have lied or simply made a mistake.

Jay
Jay

Kinda related topic, seems still fitting here: (also a x-post)

Was anyone RECENTLY able to double dip the 2nd year annual travel credit, before canceling (or downgrading) the card?

DP here https://www.doctorofcredit.com/u-s-bank-altitude-reserve-review-50000-point-sign-bonus-750-towards-airfare-325-travel-credits/#comment-731672 from early March saying ‘no’, but it contradicts all other historical DP’s.

So I’m curious if US Bank fixed sth. or the mentioned poster messed up somehow…?

Steph
Steph

Is there any way to get this card if you’re not in US Bank’s footprint? I live in NY state and would like to use it for the 3x mobile payments!

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