YESSS!! Thanks so much Spencer!! I am super pumped for this card, especially because of other issuers (not naming names) has been doing some pretty questionable things lately. Definitely a severely underrated card, and it's going to be awesome since this will now be my primary card in my core setup moving forward! Will definitely have some experience-shares coming soon!

Congrats on the new card! My experience was clearly different than yours.

@@TheCreditFrog indeed i was actually hesitating on applying for it because I had seen your video but I just took a chance and I got approved.

Thanks so much Josh! Yes, definitely a lot of prep for this particular application, but I think it was well worth it - especially when the application went through that manual review process! This card is already worth it, but after that approval process, it's going to be sweet to start using this card 👍!

Of course Frank! Gotta start gardening that relationship now! 👍

Thank you Eric! Yeah, I'm really happy that US Bank gave me a chance. I will now reward them by spending all my money on their card so it's a win-win 🤣!

Hi Joel! Of course, glad you enjoyed the video, and thank you for the support! US Bank is an underrated bank, and they have some pretty incredible credit cards. It's hard to get started (easier if you're earlier in your credit journey from what I hear), but once you're in, there's a lot of great credit cards to choose from!

@@TheCreditFrog Thanks again.

Thanks Sendo! Yes, this card seems so awesome overseas getting you a crazy high multiplier on a VISA card (no worries about carrying Amex around). Haha, and yeah, this travel/dining credit is pretty easy to use, which to me, is definitely a good thing!

Thanks Eduardo! Yes, I remember that hah! I’m super pumped to have this card after using my current setup for so long. I think it’s going to fit a lot better with my spending habits. Thanks for being a longtime supporter, and I’m happy to be in the USBAR club!!

@@TheCreditFrog was here before 600 subs! 🙏🏽

For sure Ninja! Thanks so much - yes, always make sure you exhaust every avenue - both before and after that application!

Thanks Jimmy James! Always appreciate your support!! 🎉🎉🎉

Thanks Ivan! Yes, it's unreal that I did all of that, and I still got flat out denied 🤣. Very expected by US Bank though. Just goes to show how important each little piece is, and how all that probably played a huge role of getting approved when the manual review was done. Unboxing video definitely coming soon!

Thanks Emmanuel! Yes, I'm super excited that I got approved for this card. Definitely had to work for this one, but I think it'll definitely be worth it. Appreciate it bro!!

Thanks so much Nkosi! That's how I like to roll 💯

@@TheCreditFrog 😄indeed

Thanks Clausell! Yes, it was definitely a lot of preparation to end up getting this card. Glad you enjoyed the video, and I'll definitely keep more content in the pipeline 👍!

Hey congrats on the new card 🎉! You're going to love it! The mobile wallet is super good, and coupled with 1.5X Real-Time Rewards, this card gets you such great value for your everyday spending. Look out for the welcome offer counter, which is super helpful so you know when you're getting close to meeting the MSR!

Hey Jay! Congrats on the new card 🎉! I'm pretty sure having that relationship with US Bank probably helped out a lot! Very nice CL as well. You're going to love this card. It's my personal favorite credit card at this point!

Thanks Stan looking forward to more content from your channel!

Thanks David! Congrats on getting under Chase 5/24! It's such a long road .. haha! If you have no new accounts in over 12 months (and you're a US Bank customer already), it may be worthwhile to at least consider this card! 4.5X on mobile wallets can be a great multiplier to have, especially if you live in an area where mobile wallets are accepted pretty often! You probably have a better shot than me as a new customer! You never know when you'll be in a 0/12 position again!

Thanks Juan! Yes! I'm pretty happy since it's the card I was the most worried about getting

Thanks Uncle Luke! This card is going to be my primary card moving forward. I think I'm going to get a ton of value with it since I don't travel nearly as much as you do (internationally). I moving more towards Team Cash Back with every application 😳!

@@TheCreditFrog that’s exciting!!!!

Thanks AP! Yeah, it's pretty much a simple ACH transfer on two separate days using Ally Bank to "push" the money into US Bank (as opposed to having US Bank "pull" from Ally Bank). There wasn't anything else that I did to have it count!

@@TheCreditFrog got it, thank you!

Very nice! Yeah, I think US Bank (for whatever reason) is easier on people that are newer in their credit card journey. And yeah, so that's about right with having only 1 hard inquiry in 6 months. Very good credit score for someone who's just starting out. Congrats on the new card! This is a long-term keeper for sure! Glad you got this one early on because it's the best card out there for mobile wallet purchases!

Thanks Mike! Yeah, US Bank has a lot of great cards so I'm looking forward to exploring their ecosystem now that I have a (more firm) foot in the door. Glad you enjoyed the video - appreciate you!

Thanks so much! I knew you were waiting for this one. I'm happy that I'm able to join you with this card since this also will end up being my primary credit card as well. With Apple Pay everywhere in my area, this is a fantastic add to my setup - and like you said, it works internationally too! Nice work on guessing correctly! US Bank is so harsh that I'm surprised that anyone gets approved on the first go. Thanks for the tip on the retention offer! Wasn't even thinking that far ahead, but now I'm definitely going to remember that!

@@TheCreditFrog Another pro tip is that if you set up this card as default payment for Uber and sign up for real time rewards. Any purchase you make on Uber, including Uber eats or rides, You will get an immediate text to redeem points at 1.5 cents per point. It is so easy to get 4.5% back on all mobile wallet purchases this way. So whenever I redeem my Amex credits I use this card to pay the remaining amount and redeem USB AR points as and when I earn. Same with Uber rides.

Thanks JP!

Thank Chris! Appreciate it bro. There's going to be another card to follow, but it won't be a USB business card!

Interesting data point! Usually with that many cards, it's an instant denial, but that's awesome you got approved. As USB is a relationship bank, it wouldn't surprise me if your decades of history helped in the approval process! If it wasn't for this card, I wouldn't even have bothered to have an account with them!

Thanks Chad! Yeah, US Bank makes you jump through so many hoops!! Yeah, for this SUB, since there are no transfer partners available, I plan on just redeeming against my future purchases at 1.5X with Real-Time rewards. Super easy - and I get immediate value. Looking forward to it!

Thank you! Unboxing video coming soon

I can see that Brady. Sometimes it takes a little push to get that pending to turn into an approval, or even a denial into an approval! I wish US Bank would give out more automatic approvals, but as long as you know how to navigate the system, I think you'll be good to get this card! Hope you can go 14/14!

Gotta have a plan!

Thanks Matt! Yeah, had to get that USB Checking Account up, and I was pretty lucky to have that bank account bonus on it when I did. I'm super pumped to use this card moving forward since it really fits my spending habits a lot better than previous cards. I'm always calling up recon because I gotta fight for these cards for some reason, haha!

Thanks Chris! I don't think there's a difference, but not sure. I would just say that opening a checking account is pretty easy as compared to a lower tier credit card since then you have to go through with the hard inquiry and new account on your credit report. But once you're in with either case, you have a relationship! You could go PC route also since I've heard you can still get the welcome offer when doing this, but I would check first, of course!

Thanks Abdullahi! This is indeed a very powerful credit card!

I actually researched a little bit on Reddit first, and there were some DPs that showed that pushing from Ally would register as a DD with US Bank. I agree though, every bank is different so you have to do research on the specific ones that make it difficult with their direct deposit requirement. I was sort of holding my breath in my situation because it took more than a month to process for me, but luckily it worked out!

Of course! This card is SO GOOD, so I want everyone to know how to get one!

Thanks Chad!

That's a great way to do it! Yeah, as long as you have some relationship with US Bank, that recon conversation would be a lot easier to get approved after a denial! Happy you were able to get a US Bank Altitude Reserve

Hey Congrats on the new card!! 🎉🎉. Yeah US Bank does not give out those approvals easily and it’s often a journey. Sorry that you had a low CL to start, but at least you’re in! Planning for a CLI in 6 months is a good idea since you unfortunately can’t transfer limits between cards within US Bank. It will probably result in a hard pull, but yeah I’d try to get that CL up since this card is great for a lot of those everyday purchases!

@@TheCreditFrog absolutely! Congratulations on yours too! Most of my cards are $15-25k, it’s by far my lowest card but it’ll have the MOST use. I’m sure after my usage in 6 months I’ll be able to get somewhere with a CLI so I’m not wrecking my utilization just from normal spending 😭😂

Thanks so much Doc! Yes, it certainly did!! 🎉🎉🎉

Haha! You have a great sense of smell!

@@TheCreditFrog After you get a chance to familiarize yourself with the working of the card, a nice detailed analysis of how easy it is to earn and redeem points would be great. I’m on the fence with this card and the chase sapphire reserve for some upcoming international travel. Can the points on the USB AR be redeemed as easily as chase since they don’t have travel partners. Thanks and great channel…Dr??

@@SpartanOfFinance Of course! Yeah, I've done a few smaller reviews of this card, but a full working breakdown would be great! Earning points on this card is super easy with mobile wallets and I hear that the $325 travel/dining credit is also super easy to use as well. I think it comes down to cash back vs. transfer partners. Clearly the CSR has more flexibility in point redemption where US Bank can only really do cash back. Having said that, getting 4.5X points back on mobile wallet purchases (aka almost everything) is pretty amazing! Appreciate the support. And yes, I'm a doctor, but you don't have to call me that on KZfaq. Stan is fine 👍!

@@TheCreditFrog Well after careful consideration I applied this afternoon and was approved for 10k. It’s actually one of my lowest credit limits but I can’t wait to try it out and hopefully it lives up to the hype!

@@SpartanOfFinance Congrats! That is awesome! Enjoy the new card!! You'll probably be able to unbox the card yourself before mine comes out 🤣

If you can get this card, I highly recommend it! Everyone is different, but to improve your odds, I would at least open a checking account and have it open for at least 5 days. Nothing is guaranteed and you may get approved without it though. YMMV!

Hey! That's awesome! This is a great setup to run, and I'm glad you're moving towards it! So for me, I opened the CD mainly for the elevated status in the US Bank Rewards program, but if you open one, this should still help with that banking relationship. At this point, it's not necessary for you to have a relationship with US Bank to get the Altitude Reserve, but I would maintain that it still helps. I think having a 0/6 would make the stronger application, but 1-2/6 would probably be ok too. I personally would wait, but you never know! There have been data points of people just straight up applying with 2/6 and even 3/6 and getting approved! The trick is not to take no with the initial denial and always call reconsideration to go through a manual review. There's where the relationship and your hard pull status will be the most helpful. Hope that helps!

@@TheCreditFrog thank you! That's very helpful!

Thank you!

Thank you! Yeah, the US Bank algorithms are very conservative, in particular. I'm pretty sure the prep was super helpful when my application was forwarded to their manual review team!

Nice Tom! Yeah, I heard that they do, so definitely phone them up and see if one is offered! And that's great to know that the USB travel portal has some good deals!

Thank you!

Please see this master list by Doctor of Credit with Data Points, but of course, YMMV: www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits

It could be a savings account.

You, Jeffery, are a planner! But yes, having 0/12 new accounts and inquiries will likely elevate your chances for an approval as well as a banking relationship! The Cash Plus is such a great 5% card, highly recommend, and a great way to start building that relationship like you said.

Hey Jim! Great question - ultimately, your guess is as good as mine, but I would say US Bank makes it harder for people with higher credit scores / higher income to get approved just like Capital One. I think having a checking account would definitely tip the scales heavily in your favor. If you can get into their Smart Rewards program like I did, that may be helpful too. I think the hard pulls are acceptable given you haven't applied for a new card in 2 years, provided you've established a relationship with US Bank (2 months minimum). If you get auto denied, make sure to call reconsideration like I outlined in this video. Best of luck!

Thank you!@@TheCreditFrog

The $325 travel/dining credit is one of the easiest credits to use, kind of like the CSR! It's annual (every cardmember anniversary) and very flexible! I've already used the entire credit!

I don’t think so. This card has been out for a while and there’s been no indication that the credit on this card will be changing. I sure hope not because it’s one of the most flexible credit card credits out there!

Haha, dang! You’ve been putting in some work! Yeah, probably best to garden and cool off for a while!

@TheCreditFrog got approved ! Got the 7-10 days message. Called the status line and approved. All the inquires were from chase biz cards. I'm happy!

@tooeasy4217 that’s awesome!! Congrats on the card!! 🎉🎉 You’re going to love it!

It sounds like you're filling out an application for a business card. You would input your gross income from your business for business income. If you do not pay yourself with business income, I would say that your gross business sales wouldn't count towards your personal income, but it depends on the situation.

If you can get it, it's totally worth it! My current favorite card right now. Lots of great 1.5X travel redemptions so far on those 3X mobile wallet expenses! 👍

@@TheCreditFrog too bad that there aren't enough videos about this card. Everyone wants to talk about Amex, Chase, WF and Capital One. Not enough love for US Bank, BoA, Citi and Navy Federal

Yes! This was a perfect opportunity to combine them both into one video!

Sorry to hear that! US Bank can be difficult to crack into, but hopefully you can apply again in the future with an approval. Not sure if you have tried yet, but sometimes calling the reconsideration line can be helpful!

Thanks David! It's ok, that means I can spend more time with the subscribers I already have!

Thank you! Happy to be here 🙌!

Hey Jennifer! Yeah, that card is definitely the next US Bank card that I want to get! Sadly, the Cash+ points can’t be transferred to the AR, but it’s still a great card on its own!

@@TheCreditFrog Hey regardign that 4.5x back real time credit (via texting), is that for any purchase or just travel related purchases? Does the 4.5x credit need to be applied towards a travel related purchase? What if I dont' really ever travel can I still get 4.5x cash back with apple wallet using this card?

@jenniferw8963 The 3X is for all purchases, but to get to the 4.5X level, the points have to be redeemed for travel purchases, namely airfare, hotels, and car rentals. There are other travel-adjacent categories too, but those the big 3. Otherwise, RTR will only be 1X so you’ll get 3X back on MWs in that case

You can get this card whenever you’d like! If you don’t want to open an account with them, it’s no longer a requirement. It will probably still increase your chances. There have been data points with those who have gotten approved for this card without one.

@@TheCreditFrog thank you so much! This card sounds great and I'm considering getting it after I graduate (in college with just the discover it gas & restaurant card and SavorOne)

I didn't do anything differently than what was presented in the video. There are many DPs that show that transferring from Ally Bank into the USB checking account counts as a direct deposit. As with anything your mileage may vary!

@@TheCreditFrog okay thank you! Found the Dr of Credit post aboit which banks count as DD, wish me luck hehe! Hopefully itll help when i apply for the card later on.. 🤞🏼

They didn't ask for any documentation, per se, but they did ask me some basic demographic questions like my name, address, SSN. I think the questions were to mostly confirm my identity. Yes, definitely use my experience to help you out! Hopefully, you get auto-approved, but US Bank tends to auto-deny often but calling up recon can get that decision reversed!

Thanks! This video was very helpful so thanks for sharing. Do you junk in ok to apply once at 0/6 or shall I wait til 0/12? Currently at 5/24

@@zyzzuschrist3410 0-1/6 is the most important metric, but 0/12 would help because I've seen denials for this card saying that there were "too many inquiries in the last 12 months" on denial letters.

I got this back in May of this year. Not sure if it's around anymore, but it was pretty prevalent back then, in addition to a 130k for $10k spend in 3 months as well as the standard 70k for $10k spend in 3 months. I picked the one in the middle.

Hey. Yeah, this is what is stated by the bank, but if you check other data points, others have found other methods to trigger bank account bonuses when it comes to the direct deposit requirement. There's a whole other community out there that deals with bank account bonuses just like we do here with credit cards, and that's where I got some of that information! Using Ally bank is one of those methods that seem to be work pretty well with some banks.

@@TheCreditFrog Interesting. I wonder if that works with banks other than Ally. Thanks for the response Stan.

US Bank Altitude Reserve! Fortunately, my grocery stores all take mobile wallets so it works out well.

I'm not entirely sure because I got auto-denied at the beginning. When I got approved after recon, I got the card within 2 business days, but I don't remember having the option of using the card before the physical card arrived!

Sometimes, it depends on which bank it's coming from. I would check the Doctor of Credit post to see if your bank would be recognized as a direct deposit from US Bank!

Thanks Michael! Yup, this was the method I used to qualify for that direct deposit requirement. A quick search on forums will show a lot of others have done the exact same thing with similar results! I hear you! Transferring my direct deposit is not super easy for me so when there's a direct deposit requirement for a bank account bonus, I often have to look at other methods to fulfill it.

@@TheCreditFrog do you know if ally works for other banks accounts as well like for AMEX checking account or Capital One checking account?

@@OfficialMichaelGlathar I’m not sure, but you can look up data points to see. I think DoC has a thread somewhere with a lot of data points compiled for multiple banks and if Ally works for the direct deposit requirement when it comes to the checking account bonus.

@@TheCreditFrog perfect will look into that. Thanks!

I had 9

I think we could be friends! I really enjoy your strategies and how you stand out from your peers. I think I want the USBAR now! I have 10 cards now and at 5/24. I won't fall under 5/24 until 12/24 because I just got the boundless (your fault). Do you think I can get it with 10 cards, at 4/24 and 0/12 late next year?

@@boombstc1 Yes, that would be great! I definitely think we could be friends. Looks like we have similar strategies and number of cards! Congrats on the Boundless card - great pickup! I think that if you're 0/12 when you apply next year, you should be good to go! I recommend signing up for a US Bank checking account at some point, hopefully when they have a Bank account bonus, so you can build that US Bank relationship before you apply!

Checking, but I’m pretty sure savings would work too!

Oh, that's unfortunate Jim. I know you were thinking about getting this card, but yeah, US Bank is only available in certain states. Hopefully they'll be able to accommodate out of state people at some point or maybe there's some other workaround.

Thanks Jay! 🎊🎉🎉🎉🎊 💯

Not sure, but your chances will be improved if you have 0-1 new accounts in the last 6 months!

Experian

I will explain more in my next video!

Darn! Yeah, US Bank unfortunately is not available in some states.

Open a CD and then you can (I believe)

Thank you!

@@TheCreditFrogyw

I know. It’s so rude.

@@TheCreditFrog I mean honestly, you put in a ton of work and you’d think they see that.

US Bank is just one of those banks that is auto-deny happy. I knew what I was getting myself into 😂

Congrats Ahmad! You have won first 🥇!!

You can get it, but make sure to plan ahead to maximize your chances!

They're generous enough to approve me for this card so I'll take it!

Thanks Cristian!! 🙌 🎊

I have won this one, better luck next time!

Almost first CJ! Today you were 3rd 🥉! Or, if you prefer, you were first after Ahmad and Anant 🏆

@@AhmadKhwajazada 🏆

@@AhmadKhwajazada what?!!!! Stop trying to steal my victories 😭

@@TheCreditFrog I’m always first! Those other folks are disqualified for commenting before me. That’s a violation!

Haha, Jake you made it to 5th, but you'll still get this participation medal! 🏅

Very close Anant! You got 2nd today 🥈!