U.S. Bank Altitude Reserve Signup Bonus Is Now Churnable After 5 Years - Doctor Of Credit (2024)

FAQs

U.S. Bank Altitude Reserve Signup Bonus Is Now Churnable After 5 Years - Doctor Of Credit? ›

U.S. Bank Altitude Reserve Signup Bonus Is Now Churnable After 5 Years. While previously the terms on the U.S. Bank Altitude Reserve card (direct link) excluded previous cardholders from getting a bonus, the terms have now been updated to allow churning after 5 years.

U.S. Bank announced changes to the U.S. Bank Altitude® Connect Visa Signature® Card. Effective September 9, 2024, the card no longer has an annual fee, it loses a handful of benefits, puts more restrictions on point earnings, and the points it earns become worth only 0.8 cents each toward cash back redemptions.

Points never expire on your Altitude Go Card. Redeem them right away or save for later.

It can be hard to get the U.S. Bank Altitude™ Reserve Visa Infinite® Card because U.S. Bank is strict about who it approves. The bank typically only approves applicants with good to excellent credit who haven't opened more than two credit cards in the previous year.

You'll need excellent credit, generally defined as a credit score of at least 720, to qualify for the U.S. Bank Altitude® Go Visa Signature® Card.

The annual fee is $0 introductory annual fee for the first 12 months, after that $95.

U.S. Bank Altitude® Connect Visa Signature® Card, annual fee of $0 intro for the first year, then $95. Sign-up bonus: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.

Best cards to pair with U.S. Bank Altitude Reserve Credit Card. A card that would act as a great companion to the U.S. Bank Altitude Reserve is the Hilton Honors Card American Express Surpass® Card.

The U.S. Bank Altitude™ Reserve Visa Infinite® Card is not as well-known as some other high-end travel credit cards, but its lucrative rewards and perks make it a worthy contender, despite its hefty annual fee. As a premium general travel card, it's a fine choice.

For example, the U.S. Bank Altitude Reserve Card offers a value of 1.5 cents per point when you redeem your points for travel. In most other cases, you get a value of 1 cent per point. Using your points to purchase merchandise tends to offer the lowest value.

Can you transfer altitude go points to altitude reserve? ›

One caveat about this program is that you cannot combine rewards between the cards. This means you can't earn rewards on the Altitude Go card and then redeem them for 1.5 cents per point value via the U.S. Bank Altitude® Reserve Visa Infinite® Card*.

Earn 50,000 bonus points worth $750 in travel.

Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards are the U.S. Bank Altitude Reserve Visa Infinite® Card, Chase Sapphire Preferred® Card and American Express® Gold Card.

This no-annual-fee card offers competitive rewards that cater to food delivery, groceries, streaming and gas spending. The Altitude Go card is a cost-effective alternative to the U.S. Bank Altitude® Reserve Visa Infinite® Card, which is geared toward travelers and comes with a steep $400 annual fee.

Reports indicate U.S. Bank pulls credit scores and reports from TransUnion most often, but this isn't always the case. The card issuer also sometimes pulls credit scores from Equifax and Experian.

Your FICO^® Score falls within a range, from 740 to 799, that may be considered Very Good. A 747 FICO^® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.

There's no functional difference between a plastic card like the U.S. Bank Altitude Connect Card and a metal credit card, though, so don't dismiss the U.S. Bank Altitude Connect Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.

The credit limit for the U.S. Bank Altitude® Go Visa Signature® Card generally ranges from $1,000 to $25,000 or more, depending on your creditworthiness. Many cardholders have reported credit limits of at least $10,000 with this card, and U.S. Bank often gives generous credit limit increases.

With the Altitude Reserve Card, you can earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, ³ 3X points on eligible travel purchases and mobile wallet spending on Apple Pay^®, Google Pay™ and Samsung Pay and 1X on all other eligible purchases.

One U.S. Bank point is worth 1 cent when redeemed for gift cards. This is the same across all Altitude credit cards. Compared to other popular credit card rewards programs that offer gift cards as a redemption option, this is as good as it gets unless you get better value through promotional offers.