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Much appreciated for the info. Just got approved for a $9500 limit, fico is around 780, only have a car loan and maybe one card in the last year. 10+ total cards though.
I just qualified for the Smartly card. Crazy me decided to apply for the Altitude Go card for the 4x points in restaurant dining and take out. They may deny me, but hey, let's see what happens.
The priority pass on this card is not ongoing, it's just an initial 12 month benefit enrollment. I've seen other cards from Truist offering tsa precheck on no- fee cards, so those two benefits may indeed survive after the annual fee is gone
Just received my new card in the mail today, totally psyched! Getting $5,200 in dental work, so will hit spend requirement with 1 swipe! Thanks Adam for making this video because this card was not on my radar, but that $500 Statement Credit will help lower my dental bill.
After just getting approved for the Altitude Reserve in Feb and the Venmo Visa in March, I figured I'd have no chance of US Bank approving me for this, but I gave it a shot anyway and to my amazement, they approved me no questions asked. Now working on my second 50,000 pt sign up bonus from US Bank in a 2 month span. Very weird that the points earned on one card are worth more than the ones on the other, but still thankful regardless! Thank you, Adam, for bringing attention to this amazing opportunity!
With no AF even with the drawbacks the Altitude Connect is still a solid earner with some travel categories and no FTF. I recently picked up an Altitude Go looking forward to utilizing this one in my wallet going forward! ✊💳
Just got approved, got the idea to apply from this video! Team cash back, hoping to get sign-up bonus before points are devalued, but either way will be a good value. Thank you for quality content!
i'm gardening in 2024 can't sign up for any personal cards i'm at 6/24 but i do want to get the go, connect, reserve and power but all on the back burner until i get my last chase card
I think I'm going to get this card, I haven't gotten new cards in a while and am about to go on a trip. This is a $600+ value given the global pre check and airport lounge access. I may product change in a year to the cash+. Edit: Initially denied for incorrect reason before approved for 10k limit
I've never been able to get one of their cards, but gave it a go for the 50K. Was told they are reviewing and I should hear in 7-10 days. That is probably a no!
Adam what is your favorite credit card points or miles and why? Maybe you could do a video ranking your most used credit card points from least used to most used! Keep up the great content!
If the priority pass includes restaurants, even with the 4/yr limit it would definitely be worth getting. I may product change if possible, but I don't need the hard inquiry or any distraction from my other spend.
The AAA card gives 5% back on gas...and you can apply for the Shell Rewards and stack the savings. I know this is about U.S. Bank, but just more information. I'm also a U.S. Bank customer.
Wow, now free with global entry and priority pass? I can have wife get her own and double up global entry and priority pass. Or team it with any mid tier travel or hotel card to make a kick butt setup for low overall annual fee. 👍
I'm in the same boat as you Adam. The letter I got in the mail read "Too many accounts open in the past year." I do have two Cash+ that I use for utilities and internet/steaming. They've been good to me aside giving me a new card 😂
I just recently got it 2 months ago realaized theres no 12 month of no interest like alot of cards ao becareful if you didnt know that its only 12months on transfer balances
The Altitude Go is also cutting back most of their 2 point (2x) perks while keeping their 4 point (4x) and their $15 dollar streaming credit. I am wondering if they come out with another annual fee card and make their own trifecta with their cards?
Update on this card: my wife and I initially got denied but some how end up getting both of our accounts approved weeks later🤯 I’ll take advantage of it
@@ayman.ibrahim they didn't straight no say denied, they just need more review. From experience with Chase and Capital one it mean we're denying you and will send you a letter.
A few questions regarding the 4 free Priority Pass lounge visits... Someone mentioned the benefit is just for the first year. Is that accurate? Also, do you know if I will be able to bring a guest using one my 4 free visits?
@@ProudMoney Thanks for response. I have another general CC question. I have a large dental bill coming up soon. I am concerned about the 30% Utilization Rule. I have 10 cards, but none will cover the entire dental bill without going way over 30% Utilization Rate. Does the 30% rule strictly apply for (1.) Grand Total of all Credit Limits, or (2.) does it also apply on an individual credit card? I'm concerned about causing a significant drop in my Credit Score which is currently in low 800's.
@@jeromehenry4484 It's both/or. I had a big car repair bill last year rack up one card (for reward optimization 80% utilization on that card less than 30% overall); It will drop your score 25 pts for a month then rebound back the next month. So unless you also plan on buying a car/house or new cc within a couple months of the big bill it won't matter as long as you pay off the credit card.
I think she will be good as long as it’s been a good 6 months since the last application and new account was opened everything else on her credit profile seems solid!
Worst bank is us bank. Approvef for 500 limit. So i was not able to use this card. I did overpay from my bank account. As i wanted to book flight tickets. Customer support team confirmed that After overpay i will be able to make purchase above 500 limit. But unfortunately my payment once posted put on hold and i cant use it. Next day i found my card also not working. Called customer support they are useless helpless rudy people. Just said because pf overpayment ny account is freeze for 10 days . So my existing credit also not usable. So iust to keep me away from getting bonus us bank trying to make all this worst thing. Please don't apply for this card. Mostly will be denied ot approved woth 500 limit. No usable card Go for chase Sapphire. Or bofa 0% apr cards. Better than this card
Even though I have oldest us bank card since 3 years still bank is not trusting existing customers... very poor customer support... Always wrong misleading answer from us bank phone banking. They don't look at account in system just give answer whatever comes to mind
Yes, I’ve heard of this before with other cards. I would just buy stuff under your limit to get your bonus and do multiple payments. With $500 how can someone buy multiple tickets? Crazy!
@@roxcyn that's only solution but I find only one way tickets below 500 which was costing more. So end up applying new card. Will use this card for utilities and gas. I tried with advance payment but my card is locked due to overpayment.
I also only got approved for $500, but the key is to just to make a big purchase under the $500 limit so that you don't max it out. Then pay it off immediately and wait for them to update your credit limit then make another purchase or purchases under $500 and pay that off and then keep rinsing and repeating. Though give some space when doing this strategy.
The reason US bank is making changes is because they have gotten into trouble for their other issues fined. 😂 If only other banks did the same thing: *cough cough chase with 5/24*
If you got denied multiple.times for there cards.i dont think nobody looking at this videowill get approved MR.850 credit score.good luck boys and girls applying 😂😂😂😮😮
@@ProudMoney How many credit cards is too many? I'm wondering if it would be better to start cancelling the credit cards that you no longer use (because the benefits became obsolete from other, better cards)
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Much appreciated for the info. Just got approved for a $9500 limit, fico is around 780, only have a car loan and maybe one card in the last year. 10+ total cards though.
Did you have an existing relationship with US Bank when you applied for this card?
I just qualified for the Smartly card. Crazy me decided to apply for the Altitude Go card for the 4x points in restaurant dining and take out. They may deny me, but hey, let's see what happens.
thanks adam for always keeping us informed!
The priority pass on this card is not ongoing, it's just an initial 12 month benefit enrollment. I've seen other cards from Truist offering tsa precheck on no- fee cards, so those two benefits may indeed survive after the annual fee is gone
Just received my new card in the mail today, totally psyched! Getting $5,200 in dental work, so will hit spend requirement with 1 swipe! Thanks Adam for making this video because this card was not on my radar, but that $500 Statement Credit will help lower my dental bill.
I applied yesterday and got approved! Definitely will be taking advantage of these benefits for travel during this summer.
Did you have an existing relationship with US Bank when you applied for this card?
Might go for it after finishing with the autograph journey bonus. Great content as always, thanks Adam!!!
After just getting approved for the Altitude Reserve in Feb and the Venmo Visa in March, I figured I'd have no chance of US Bank approving me for this, but I gave it a shot anyway and to my amazement, they approved me no questions asked. Now working on my second 50,000 pt sign up bonus from US Bank in a 2 month span. Very weird that the points earned on one card are worth more than the ones on the other, but still thankful regardless! Thank you, Adam, for bringing attention to this amazing opportunity!
Did you get approved for tye connect? How much credit line ? And how long between tye reserve and the connect?
Thanks in advance.
@@ayman.ibrahim I got approved for the Reserve on Feb 14 and the Connect on April 19 with a $7,000 limit.
With no AF even with the drawbacks the Altitude Connect is still a solid earner with some travel categories and no FTF. I recently picked up an Altitude Go looking forward to utilizing this one in my wallet going forward! ✊💳
Just got approved, got the idea to apply from this video! Team cash back, hoping to get sign-up bonus before points are devalued, but either way will be a good value. Thank you for quality content!
i'm gardening in 2024 can't sign up for any personal cards i'm at 6/24 but i do want to get the go, connect, reserve and power but all on the back burner until i get my last chase card
I think I'm going to get this card, I haven't gotten new cards in a while and am about to go on a trip. This is a $600+ value given the global pre check and airport lounge access. I may product change in a year to the cash+.
Edit: Initially denied for incorrect reason before approved for 10k limit
Wow awesome opportunity on this one, thank you!
I've never been able to get one of their cards, but gave it a go for the 50K. Was told they are reviewing and I should hear in 7-10 days. That is probably a no!
I have two cards and a checking account. Just applied and got the same message, lol
Definitely not the outcome I expected.
What bureau did they pull from?
Worst case open a secured card and let it graduate easy workaround I just did this for an Altitude Go some banks are a pain in the ass!
@@deputy1569 Experian, in my case.
@@deputy1569 Transunion usually but are known for Experian in some states.
Adam what is your favorite credit card points or miles and why? Maybe you could do a video ranking your most used credit card points from least used to most used! Keep up the great content!
If the priority pass includes restaurants, even with the 4/yr limit it would definitely be worth getting. I may product change if possible, but I don't need the hard inquiry or any distraction from my other spend.
If you redeem the points in travel or sent to a U.S. bank checking account they are worth 1cpp
Thanks for the info Adam! 🙂
Now i think is one of the best for Gas and Travel and bonus great
The AAA card gives 5% back on gas...and you can apply for the Shell Rewards and stack the savings. I know this is about U.S. Bank, but just more information. I'm also a U.S. Bank customer.
Wow, now free with global entry and priority pass? I can have wife get her own and double up global entry and priority pass. Or team it with any mid tier travel or hotel card to make a kick butt setup for low overall annual fee. 👍
You actually get two the original one and then the one you mentioned the 20000 one and then the 50000 got approved in August of this year
I'm in the same boat as you Adam. The letter I got in the mail read "Too many accounts open in the past year."
I do have two Cash+ that I use for utilities and internet/steaming. They've been good to me aside giving me a new card 😂
I'm quite happy with my Altitude Reserve
I believe this card is good for traveling. I Just got the card today it is a nice looking card. 20,000 Bonus points after spending $1,000.
I just recently got it 2 months ago realaized theres no 12 month of no interest like alot of cards ao becareful if you didnt know that its only 12months on transfer balances
Fine to churn, but not a big fan of the perks or multipliers.
The Altitude Go is also cutting back most of their 2 point (2x) perks while keeping their 4 point (4x) and their $15 dollar streaming credit. I am wondering if they come out with another annual fee card and make their own trifecta with their cards?
Update on this card: my wife and I initially got denied but some how end up getting both of our accounts approved weeks later🤯 I’ll take advantage of it
Did they approve you without reapplying after the denial?
@@ayman.ibrahim they didn't straight no say denied, they just need more review. From experience with Chase and Capital one it mean we're denying you and will send you a letter.
Some cards offer 250, I got a cap one email for one with a 300 signup bonus.
I just got 3 new cards in February, so I'm about 99.98% sure I'd get denied...😥
Same 😢
What's the best credit card to use at Sam's? I know that chase and discover might offer 5 % some quarters but besides that what Else is there?
Same club card
I get 3% for onlime orders and 2% in BofA's Customized Cash Rewards card.
Sam’s Card MC soft pull pre approval too!
Venmo visa 3% at all wholesale clubs and walmart
A few questions regarding the 4 free Priority Pass lounge visits... Someone mentioned the benefit is just for the first year. Is that accurate? Also, do you know if I will be able to bring a guest using one my 4 free visits?
Thank You.
If I cancel on second year, will I get some trouble 😂 because I use the pp and TSA
Mr. Jusko, is there an introductory 0% APR on this card?
Thanks.
no
@@ProudMoney Thanks for response. I have another general CC question. I have a large dental bill coming up soon. I am concerned about the 30% Utilization Rule. I have 10 cards, but none will cover the entire dental bill without going way over 30% Utilization Rate. Does the 30% rule strictly apply for (1.) Grand Total of all Credit Limits, or (2.) does it also apply on an individual credit card? I'm concerned about causing a significant drop in my Credit Score which is currently in low 800's.
@@jeromehenry4484 It's both/or. I had a big car repair bill last year rack up one card (for reward optimization 80% utilization on that card less than 30% overall); It will drop your score 25 pts for a month then rebound back the next month. So unless you also plan on buying a car/house or new cc within a couple months of the big bill it won't matter as long as you pay off the credit card.
They've denied me twice lol
To confirm, is the cash back only if you have a US bank savings or checking?
Nope, you don't need anything but a credit card to get the cash back.
With a Fico® Bankcard Score 9 over 800, and 3 new cards in the last year. Do you think that's enough new cards to get my GF declined?
I think she will be good as long as it’s been a good 6 months since the last application and new account was opened everything else on her credit profile seems solid!
they will fur sure get rid of tsa credit
Do a watch me apply
Now they need to make shoppers reward visa no AF , for $95 AF it’s not that great especially having FTF on it
So this is like Amex either use the card for travel or not at all
I’m good don’t need this card
Once a year you can get the Blue Cash $350 intro bonus
Have you done this? Hard to believe Amex would do that.
@@ProudMoney yeah I had to use incognito mode to find that offer
Applied for my wife, got denied
that stinks, us bank can be tough
@@ProudMoney she already bank and have the Altitude go with them 🤔
Crazy me and my wife bank with them. But I haven’t applied yet. Idk if I want too now 😂😂
USB just 💩the Altitude Connect = $500 SUB now $200 😭
👍🏻
Worst bank is us bank. Approvef for 500 limit. So i was not able to use this card. I did overpay from my bank account. As i wanted to book flight tickets. Customer support team confirmed that After overpay i will be able to make purchase above 500 limit. But unfortunately my payment once posted put on hold and i cant use it. Next day i found my card also not working. Called customer support they are useless helpless rudy people. Just said because pf overpayment ny account is freeze for 10 days . So my existing credit also not usable. So iust to keep me away from getting bonus us bank trying to make all this worst thing.
Please don't apply for this card. Mostly will be denied ot approved woth 500 limit. No usable card
Go for chase Sapphire. Or bofa 0% apr cards. Better than this card
Even though I have oldest us bank card since 3 years still bank is not trusting existing customers... very poor customer support... Always wrong misleading answer from us bank phone banking. They don't look at account in system just give answer whatever comes to mind
Yes, I’ve heard of this before with other cards. I would just buy stuff under your limit to get your bonus and do multiple payments. With $500 how can someone buy multiple tickets? Crazy!
@@roxcyn that's only solution but I find only one way tickets below 500 which was costing more. So end up applying new card. Will use this card for utilities and gas. I tried with advance payment but my card is locked due to overpayment.
@@sachinpatil-tl5fb - They do that for fraud, unfortunately. 😞
I also only got approved for $500, but the key is to just to make a big purchase under the $500 limit so that you don't max it out. Then pay it off immediately and wait for them to update your credit limit then make another purchase or purchases under $500 and pay that off and then keep rinsing and repeating. Though give some space when doing this strategy.
Not a fan of bank’s devaluing their currency. I’d rather they axe the Precheck and PP benefits instead.
NO
@@kingsamvisuals no what?
@@ezioaltairacno
No. Forcing you to focus on it as a travel card with free global entry and priority pass makes this card a no brainer.
Disagree. no annual fee card for lounge access is a huge win! no other card offers that
👍🏿😃🍵
Nope. The bonus is now 200 dollars. Not worth it.
The reason US bank is making changes is because they have gotten into trouble for their other issues fined. 😂
If only other banks did the same thing: *cough cough chase with 5/24*
If you got denied multiple.times for there cards.i dont think nobody looking at this videowill get approved MR.850 credit score.good luck boys and girls applying 😂😂😂😮😮
I get turned down because of too many other credit cards, not credit score 🙂
@@ProudMoney How many credit cards is too many? I'm wondering if it would be better to start cancelling the credit cards that you no longer use (because the benefits became obsolete from other, better cards)
First
not quite 🥈