We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

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

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

Million Mile SecretsHow to Establish a US Bank Relationship to Get Their New Travel CardMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

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 5 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.

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

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

7comments

by Newest
by Best by Newest by Oldest

BA denied my 2nd Alaska Card. They said I had too many cards open and they didn’t understand why I wanted a second card. If I wanted to put business expenses on the it, I should open a business card.

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

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!

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

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

Load more