US BANK + Microsoft Wallet = Mobile bonus

[IcyCool7227]

But with this card you are paying a $400 annual fee. So that takes down the cashback rewards a little.

[K-in-Boston]

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@IcyCool7227 wrote:

But with this card you are paying a $400 annual fee. So that takes down the cashback rewards a little.

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Most of us with the Altitude Reserve aren't concerned with getting cash back.  The break-even point on the card when redeemed for travel and using the annual travel credit compared to a 2% cash back card is only $3000 a year in spending.  This is my go-to card when traveling internationally since I get 4.5% back toward travel on basically everything.

[longtimelurker]

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@K-in-Boston wrote:

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@IcyCool7227 wrote:

But with this card you are paying a $400 annual fee. So that takes down the cashback rewards a little.

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Most of us with the Altitude Reserve aren't concerned with getting cash back.  The break-even point on the card when redeemed for travel and using the annual travel credit compared to a 2% cash back card is only $3000 a year in spending.  This is my go-to card when traveling internationally since I get 4.5% back toward travel on basically everything.

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Right, and even for cashback redemptions at 3%, the effective AF (using the travel/dining credit) is only $75  (and this excludes the TSA-Pre/Global Entry credit, and whatever value you put on the priority pass).  So you would need $7,500 in spend to exceed a 2% card and with mobile pay, that isn't such a huge barrier.

But as @K-in-Boston says, the point is to use for travel redemptions

[northway]

I can shed some light here. MS Wallet "virtual card" is only compatible with Mastercard and only from participating issuers. The AR won't be available for a "virtual card" as it's only issued as a Visa.

[Gollum]

I have used Linux (PCLinuxOS distribution currently) as my desktop computer's operating system since 1998.

Wikipedia says that "Microsoft retired the [Microsoft Wallet] service on February 28, 2019, coinciding with the company's end of support for Windows 10 Mobile and subsequent exit from the mobile OS market at the end of the year."

https://en.wikipedia.org/wiki/Microsoft_Pay (last paragraph in the History section).

I would not trust any software five years after its retirement or end of support.

[longtimelurker]

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@Gollum wrote:

I have used Linux (PCLinuxOS distribution currently) as my desktop computer's operating system since 1998.

Wikipedia says that "Microsoft retired the [Microsoft Wallet] service on February 28, 2019, coinciding with the company's end of support for Windows 10 Mobile and subsequent exit from the mobile OS market at the end of the year."

https://en.wikipedia.org/wiki/Microsoft_Pay (last paragraph in the History section).

I would not trust any software five years after its retirement or end of support.

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That page was updated in June 2023 and guess what was relaunched since then.....  Revamped and fully supported in Edge

If we are talking about trust, personally I wouldn't have leapt onto a somewhat old Wiki article and assumed that everyone else here had no idea that there were using obselete unsupported features....   Unless I was Linux harcore with a unreasoning hatred for Microsoft!

[ShadowFox]

If you enter in a credit card it will still be processed as a credit card.  The wallet had the benefit of claiming the 5% mobile wallet bonus without having to click on an apple/google/samsung/garmin/etc pay button. 

Use virtual card numbers to pay online - Microsoft Support 

[ShadowFox]

Awesome! Thanks.  Just with the Kroger cards had a higher thank 3K/yr limit.  Do you happen to know if Microsoft plans to expand to VISA/Discover?

[Gollum]

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@longtimelurker wrote:

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@Gollum wrote:

I have used Linux (PCLinuxOS distribution currently) as my desktop computer's operating system since 1998.

Wikipedia says that "Microsoft retired the [Microsoft Wallet] service on February 28, 2019, coinciding with the company's end of support for Windows 10 Mobile and subsequent exit from the mobile OS market at the end of the year."

https://en.wikipedia.org/wiki/Microsoft_Pay (last paragraph in the History section).

I would not trust any software five years after its retirement or end of support.

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That page was updated in June 2023 and guess what was relaunched since then.....  Revamped and fully supported in Edge

If we are talking about trust, personally I wouldn't have leapt onto a somewhat old Wiki article and assumed that everyone else here had no idea that there were using obselete unsupported features....   Unless I was Linux harcore with a unreasoning hatred for Microsoft!

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I don't trust that the latest proprietary Microsoft WWW browser (apparently Edge is its name) has somehow superseded/replaced/updated/whatever Microsoft's proprietary "wallet" five years after Microsoft retired its proprietary "wallet."

[Gollum]

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@K-in-Boston wrote:

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@Gollum wrote:

I don't think I have ever heard of Microsoft Wallet before. In my opinion, Microsoft Windows has had 35 years or so of security problems/failures because Microsoft Windows was not initially intended to be a multiuser, multiprocessing operating system. I don't have any interest in trying Microsoft Wallet.

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All consumer and enterprise versions of Windows released in the past 25 years (Windows ME excluded) are based on Windows NT, which was built from the ground up for those very purposes.  That's like saying you won't use mass transit because trains were built to run on coal; I don't recall riding a subway powered by steam engine lately.

This could certainly be an interesting development.  I significantly prefer Chrome over Edge, but if I can earn 4.5% back uncapped on Altitude Reserve for a significant amount of spending that might entice me to switch for shopping purposes at least.

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I switched to Linux in 1998, after paying for Microsoft Windows 95, then Microsoft Windows 95 OSR2, then Microsoft Windows 98, then Microsoft Windows 98 SE. I paid for Microsoft Windows four times, but I still did not own the Microsoft Windows "operating system," and apparently Microsoft expected me to pay for Microsoft Windows ME next. Instead, I switched to Linux (PCLinuxOS currently).