Overview and Rules

Good Things About US Bank

Altitude Reserve- I really like my Altitude Reserve credit card because it means I get 4.5% cash back at almost any physical or online merchants because of Samsung Pay (requires Galaxy phone or Gear watch).


Bad Things About US Bank

Hard to Get Approved- US Bank is one of the hardest banks to get approved for their better credit cards. If you want to increase your chances, consider opening a US Bank checking account.

Old School- US Bank is a little behind the times when it comes to technology and trends. For example, in order to figure out the benefits of my Altitude Reserve card, they have to mail me a hard copy. The benefits information is not online and they refuse to send me an electronic version (which I would love so I could post the fine print in our Card Benefits section).

Unfriendly to Manufactured Spending- If US Bank catches you buying high-value gift cards (even retail gift cards), they might shut you down. However, I manufacture spend frequently on my Altitude Reserve, but I easily disguise it by using Samsung Pay and Square.

Slow Customer Service- The trend nowadays is for card issuers to have a live chat feature (American Express and Citi) or at least respond quickly (Chase). US Bank takes usually more than 24 hours to respond.

Rules and Tips

Application Status: You cannot check your status online, but you can call 800-947-1444 to check.

Reconsideration Number: 800-947-1444 or 800-685-7680.

Bank Checking Fees: If you have a US Bank credit card, your US Bank checking fees should be waived.

Authorized Users: Spend on authorized user account will not count towards your minimum spend requirements.

Minimum Spend Timelines: The clock starts running from when you are approved. 

Other US Bank Pages: Altitude Reserve, Flexperks Cards, Radisson, Airline Cards, and Other Cards.