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.
Warning: You must have a deposit account with U.S. bank before they approve your application for U.S. Altitude Reserve credit card. Other credit cards don’t count as U.S. bank relationship. I applied for it because I had U.S. REI mastercard but I just received a letter that declined my application because of “No current account relationship with U.S. Bank”. Called the underwriting dept. and the rep confirmed it.
USB AR (Altitude) Retention Call DP
~12k normal mostly 3x bonused spend over last year + have a USB checking/savings a/c
no product changes available
5k pts to keep card open which I accepted.
call took 4min total, and was easy peasy
(compared with Citi Retention calls normally take me 20 min of baloney)
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!
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…?
Just had my annual fee post last month. I was able to use up the replenished annual travel credit and cancel it and get the annual fee refunded.
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.
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.
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.
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.
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.
I think only one person ever got it, it might be a flute dp
fluke you mean?
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.
Isn’t it only the first year?
Not sure exactly what you’re referring to but everything I mentioned is permanent.
TC says, “Cardmembers who enroll in the Priority Pass Select program will receive access for 12 months to airport VIP lounges worldwide that participate in the Priority Pass Select program. “
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.
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.
Do you know if the other Flexperks cards are churnable or not?
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
ive done the personal twice but closed the first as well before applying the 2nd
How did you use the points?
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
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.
The welcome email doesn’t count, at this point we’ve already agreed to the terms when applying… this should be clearly stipulated in the ts and cs