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@Citylights18 wrote:Is this speculation that AR is no longer doing 1.5 redemptions? From what I read I do not see that change.
The no AF card has 4x dining plus an intro APR 0% 12 month period. I am considering that one since I am currently only 2x dining.
I don't have a priority pass card either so the 325 travel credit against the 400 AF looks pretty good. 5x travel portal I suppose is workable for flights. 3x mobile wallet is worth using it. Plus 3x general travel.
The $95 AF card I don't think is worth it just for non portal 4x travel.
Yes is speculation due to the point multipliers on the lower af/no fee cards. It seems too good to be true to maintain 1.5c RTR on a no af card that gives 4x dining. That's essentially 6% back on dining for a free card so no way this happens.
My guess is that US Bank will possibly only allow you to hold one altitude card at a time to prevent abuse. If they do this, it would be more profitable imo. For instance, 1.5c point if you hold Altitude and 1c a point if you hold the other two.
I just hope mobile wallet isn't nerfed because this will lose many customers.
@Anonymous wrote:
@Citylights18 wrote:Is this speculation that AR is no longer doing 1.5 redemptions? From what I read I do not see that change.
The no AF card has 4x dining plus an intro APR 0% 12 month period. I am considering that one since I am currently only 2x dining.
I don't have a priority pass card either so the 325 travel credit against the 400 AF looks pretty good. 5x travel portal I suppose is workable for flights. 3x mobile wallet is worth using it. Plus 3x general travel.
The $95 AF card I don't think is worth it just for non portal 4x travel.
Yes is speculation due to the point multipliers on the lower af/no fee cards. It seems too good to be true to maintain 1.5c RTR on a no af card that gives 4x dining. That's essentially 6% back on dining for a free card so no way this happens.
My guess is that US Bank will possibly only allow you to hold one altitude card at a time to prevent abuse. If they do this, it would be more profitable imo. For instance, 1.5c point if you hold Altitude and 1c a point if you hold the other two.
I just hope mobile wallet isn't nerfed because this will lose many customers.
Even with 1.5c the US Bank three card ecosystem of Altitude Reserve/Altitude Go/Altitude Connect doen't produce much more in the way of points for my spend than the Chase Trifecta (CSR/CFU/CF).
AF/AG/AC: 109,070
CSR/CFU/CF: 108,660
I didn't include Lyft bonus points which moves the Chase Trifecta a little higher but it does come with a higher combined effective AF of $250 compared to $170 with US Bank. Chase of course has the DoorDash credit worth $120 a year and Spotify for 6 months at $60 a year for new users.
What helps Chase out is having a 1.5x everything card and 5x rotating categories for the Freedom to make up for a lack of regular 4x categories.
With US Bank current UW standards, completing trifecta would take 5 years.
15 if any other cards are added.
I dont see them going for the cards that compliment each other same way as Chase does.
This is just rename former flexperks cards to make them appear more attractive (not a hard thing to do, they were seriously underwhelming).
As far as AR, closing RTR loophole is hardly a surprise, I'm actually surprised it took them this long...
If they touch mobile wallet and/or change portal redemptions
https://www.doctorofcredit.com/u-s-bank-sends-out-survey-regarding-changes-to-altitude-reserve/
This is the survey I talked about earlier in this thread. I'm not the source behind the article.
There was another one a couple of days ago focused on a rebranding/renaming of RtR. No hints of changes to the program itself, only the name.
Every time this thread gets bumped, I die a little on the inside
I think it's adorable how they added a bunch of worthless stuff to option B, as if any of that justifies increase in AF, but hey, list looks longer. Must be good, right???
Leave it as is, and I'll pay AF.
Touch mobile wallet and...
@Remedios wrote:Every time this thread gets bumped, I die a little on the inside
I think it's adorable how they added a bunch of worthless stuff to option B, as if any of that justifies increase in AF, but hey, list looks longer. Must be good, right???
Leave it as is, and I'll pay AF.
Touch mobile wallet and...
Yes, although not worthless to all I guess! The 30% annual discount at REI, unless there are lots of bad conditions, will also cannibalize their WEMC REI, which gives 5%. Since it's US Bank, I can imagine that at first it's uncapped, making this an REI card with a few things added in for heavy REI shoppers!
@Remedios wrote:Every time this thread gets bumped, I die a little on the inside
I think it's adorable how they added a bunch of worthless stuff to option B, as if any of that justifies increase in AF, but hey, list looks longer. Must be good, right???
Leave it as is, and I'll pay AF.
Touch mobile wallet and...
CSR and Delta Reserve are friendzoned?
I thought I forwarded you something mid-late last week too. I guess not.
I really hope everyone with a thinking brain voiced their displeasure with Option B
I think it's a matter of time when us Bank increases the annual fee. Let's hope it won't be Option B cause I will either downgrade if available or cancel. I never used Airbnb so no way I'll pay 345 annual fee
This whole mess makes the CSR look more attractive to me. Are they trying to alienate their customer base? I couldn't use the credits on option B at all which means the earnings don't help.