How to Establish a US Bank Relationship to Get Their New Travel Card
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.
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!
As reader Mike implied, you must have an existing US Bank relationship prior to submitting an application for the card.
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
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
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
- 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.
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.
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.
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!
Chase Sapphire Preferred® CardAPPLY NOW
Chase Sapphire Preferred® Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Either $5 or 5% of the amount of each transfer, whichever is greater.
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! :)