How to Establish a US Bank Relationship to Get Their New Travel Card

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Million Mile Secrets reader, Mike, tweeted:

If I don’t currently have a relationship with US Bank, should I get the Club Carlson Premier Rewards Visa Signature® Card before applying for the U.S. Bank Altitude Reserve Visa Infinite® Card?

Excellent question, Mike!

Lots of folks are excited about the new US Bank Altitude Reserve card.  Because the card’s sign-up bonus is worth $750 in travel.  And you get $325 in travel credit per cardmember year.

As reader Mike implied, you must have an existing US Bank relationship prior to submitting an application for the card.

But I would NOT recommend applying for any other new US Bank cards if your goal is to get the US Bank Altitude Reserve.  Because the bank is known to have strict application rules.

Establish US Bank Relationship

Stop! Instead of Applying for New Credit Cards, I’ll Share a Better Strategy for Establishing a US Bank Relationship

I’ll remind y’all about the new US Bank card offer.  And share tips to establish a US Bank relationship.

US Bank Altitude Reserve 50,000 Point Offer

Link:   US Bank Altitude Reserve Visa Infinite® Card

Link:   My Review of the US Bank Altitude Reserve

With the US Bank Altitude Reserve card, you can earn 50,000 points (worth $750 in travel) after spending $4,500 on qualifying purchases within 90 days of account opening.

You’ll also get:

  • $325 in travel credit every cardmember year (you can NOT get it twice before the 2nd annual fee is due)
  • 3X points on travel purchases
  • 3X points on mobile wallet purchases (like Apple Pay or Samsung Pay)
  • 1X points on all other purchases
  • Complimentary 1-year membership to Priority Pass Select airport lounges, with 4 free entries per year for you and 1 guest (you will NOT get additional memberships for authorized users)
  • 12 free Gogo in-flight Wi-Fi passes per calendar year
  • Global Entry fee credit
Establish US Bank Relationship

Use Points From the US Bank Altitude Reserve Sign-Up Bonus and the Travel Credit for a Trip to Miami!

The card comes with a $400 annual fee.  And only US Bank account holders are eligible to apply.

Establish a US Bank Relationship

To apply for the US Bank Altitude Reserve card, you must have an existing account open with the bank.  This includes:

  • Checking or savings account
  • Certificate of Deposit
  • Mortgage
  • Home Equity Loan
  • Home Equity Line of Credit
  • Auto/Boat/RV loan
  • Personal loans
  • Private banking account
  • Consumer credit card issued by US Bank

The terms & conditions on the card application page say you must have a relationship with the bank for at least 35 days.  But folks on Reddit have been approved for the card by going in-branch to open a new checking account and applying for the card on the same day.

Establish US Bank Relationship

The Quickest and Easiest Way to Get the US Bank Altitude Reserve Is to Stop In-Branch to Open a Bank Account and Apply for the Card

Technically, you can establish a relationship by applying for a US Bank card like Club Carlson Premier Rewards Visa Signature® Card.

But the bank is known to have strict approval rules.  This means submitting multiple credit card applications in a short timeframe can make it difficult to get approved for the US Bank Altitude Reserve.

Instead, the easiest way to establish a relationship is by opening a new checking or savings account.  You can do this online or in-branch.  Plus, according to Doctor of Credit, opening a bank account does not require a hard pull.

Establish US Bank Relationship

You Will NOT Pay ANY Monthly Fees for a Gold Checking Account Once You Get a US Bank Credit Card

Depending on the account, you might pay potential fees for the first month to establish a relationship.  But after you get the US Bank Altitude Reserve, you can switch to a Gold checking account, which has no fees for US Bank credit cardholders.

Bottom Line

The new US Bank Altitude Reserve card is attractive to folks looking to get Big Travel with Small Money.  Because the card’s sign-up bonus is worth $750 in travel.  And you get $325 in travel credit per cardmember year.

But in order to apply of the card, you must have an existing US Bank relationship.  Instead of opening a new US Bank card to establish a relationship, I’d recommend opening a new checking or savings account.  And there are no monthly fees for US Bank Gold checking accounts after you get one of their credit cards.

Folks on Reddit say the easiest and quickest way to get the card is by going in-branch.  This way you can open a new bank account and apply for a card on the same day.

We don’t earn a commission for the US Bank Altitude Reserve card, but we’ll always tell you about the best deals!

Have you applied for the US Bank Altitude Reserve card?  I’d love to hear your experience!

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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6 responses to “How to Establish a US Bank Relationship to Get Their New Travel Card

  1. I am a long time US Bank customer, so I applied online. Got the “pending” message and received the card 2 days later. I’ve been reading about the restrictions on gift cards, so I have not gone there at all, but I’ve been using the card regularly, as much as I can through Apple Pay. You have to read their materials carefully to access the Gogo passes, but once you do, it’s pretty easy. Same for the reward points, but again, if you follow the directions it’s not hard to track. Planning a Vegas trip shortly and will use the travel credit for as much as I can for that.

  2. Primary car rental insurance is big to some of us. This has it.

  3. How does one redeem the awards? I know it says through travel site, but I haven’t located the site. Are the points good towards a cruise?
    Thank you,
    Lisa

  4. This is an excellent tip. US Bank bought out my mortgage loan from my previous lender since 2 years ago so I guess I qualify!

  5. FYI: For Florida residents, new checking accounts are being denied by US Bank since they have no branches in the state.