Let's go Stan!! Congrats! 🎉 I'm super excited you got to pick this one up. This is a severely underrated card in my opinion, so I'm happy to see that you'll be getting some hands-on experience with it to share with people.
@TheCreditFrog10 ай бұрын
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!
@Ragnar03217 ай бұрын
This is just a quick message for EVERYONE watching you DONT!! need any prior banking relationships you DONT need to have a checking/savings account with thousands of dollars i applied for this card yesterday and i was approved with 10k they pulled my Equifax report and the only other credit card inquiry i had was from December 2023 this application is just like any other credit application.
@TheCreditFrog7 ай бұрын
Congrats on the new card! My experience was clearly different than yours.
@Ragnar03217 ай бұрын
@@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.
@JoshGiebel10 ай бұрын
Great video Stan and congratulations on the approval for the Altitude Reserve! What a tough card to get approved for but I think it’s well worth it. Thanks for sharing your detailed datapoints and preparation process as well!
@TheCreditFrog10 ай бұрын
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 👍!
@frankcutronijr4 ай бұрын
Thank you for your help with the US Bank Altitude Reserve Card. I opened a CD today at US Bank and will look to apply for the US Bank Altitude Reserve in September.
@TheCreditFrog4 ай бұрын
Of course Frank! Gotta start gardening that relationship now! 👍
@OfficialEricGao10 ай бұрын
Congrats on the new card Stan! US bank is a tough lender to deal with, but you had some great data points in ways to deal with it!
@TheCreditFrog10 ай бұрын
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 🤣!
@73ocampo10 ай бұрын
Hello, from Oregon, US Bank is a leading bank in this state. I really appreciate the time and effort, this is so educational. I'm no where near the credit tier, however I can still have a plan for future applications. Thank you for the video NEW SUB!
@TheCreditFrog10 ай бұрын
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!
@73ocampo10 ай бұрын
@@TheCreditFrog Thanks again.
@SENDO-X10 ай бұрын
Welcome to the USBAR club! Iv had nothing but praises for this card especailly for overseas travel. Only thing i can say though, the reps have never seemed to be knowledgeable/capable to handle the 325 credit. Mine activated when i used a tire pump at a walmart and they didnt understand the issue😂
@TheCreditFrog10 ай бұрын
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!
@eduardocaudillo602510 ай бұрын
Welcome to the club Stan 🙏🏽🙏🏽🥵🥵 I remember telling you in your beginning days to make a video about the Altitude Reserve. Nice to see you have applied and got approved for it 🙌🏽
@TheCreditFrog10 ай бұрын
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!!
@eduardocaudillo602510 ай бұрын
@@TheCreditFrog was here before 600 subs! 🙏🏽
@WealthOfOpportunity10 ай бұрын
What a journey to get this card for you!! Glad you were approved and shows to “keep your eye on the ball”
@TheCreditFrog10 ай бұрын
For sure Ninja! Thanks so much - yes, always make sure you exhaust every avenue - both before and after that application!
@jimmyjames649210 ай бұрын
Congrats on the new CC 🎈🎉🎊!!! Thanks for the info + video!
@TheCreditFrog10 ай бұрын
Thanks Jimmy James! Always appreciate your support!! 🎉🎉🎉
@DJOctober10 ай бұрын
Congrats, Stan! I was waiting for this video! This just goes to show that you could have a clean credit profile and you can STILL get denied based on an algorithm's decision and not a real human - ALWAYS call recon! Can't wait for that unboxing video next! Love your content. - Ivan
@TheCreditFrog10 ай бұрын
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!
@Erodpacheco10 ай бұрын
Thats awesome stan that you got approved. Congratulations on the new card. Needless to mention that I love the breakdown and strategy! 💪🏻👍🏻
@TheCreditFrog10 ай бұрын
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!!
@nubianpwr10 ай бұрын
Bravo Stan👏🏾 U left no stone un-turned in this process👍🏾
@TheCreditFrog10 ай бұрын
Thanks so much Nkosi! That's how I like to roll 💯
@nubianpwr10 ай бұрын
@@TheCreditFrog 😄indeed
@clausellray394910 ай бұрын
Congrats Stan on the new card that was definitely methodical thinking and preparation to get the card. Nice job and thanks for sharing keep that content coming
@TheCreditFrog10 ай бұрын
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 👍!
@milesg44674 ай бұрын
I pulled the trigger and applied on Saturday 3/30 and got the we need to review your application in 7-10 days today 4/1 I got the congratulations email with a 10K CL no prior account I was super surprised and super stoked can’t wait to rack you the 3x on all my mobile spend
@TheCreditFrog4 ай бұрын
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!
@jaym95006 ай бұрын
Hey Stan I just applied to this card after watching your videos. I got approved through the phone instantly with a 23,500 credit. I’m new to the card game. But I have been a U.S. bank customer for years now.
@TheCreditFrog6 ай бұрын
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!
@jaym95005 ай бұрын
Thanks Stan looking forward to more content from your channel!
@davidprettoofficial10 ай бұрын
Congrats Stan! 🎉Just got under 5/24 this month still deciding on if I want a chase card first. Capital one denied me for venture x in their pre approval tool due to “too many revolving accounts”. Lol Like you, I have no new accounts in over 12 months and current US bank CC holder so may just pull the trigger on this card instead!
@TheCreditFrog10 ай бұрын
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!
@juanmeowmix153010 ай бұрын
Way to go! I'm glad you were able to get the card that you wanted.
@TheCreditFrog10 ай бұрын
Thanks Juan! Yes! I'm pretty happy since it's the card I was the most worried about getting
@LukesPointsandMiles10 ай бұрын
Nice Moves Stan!!! I'll be curious how the card fits within your set up. I look forward to a 6 month review or something similiar!!
@TheCreditFrog10 ай бұрын
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 😳!
@LukesPointsandMiles10 ай бұрын
@@TheCreditFrog that’s exciting!!!!
@ap229010 ай бұрын
Congrats Stan! Could you explain the ally transfers more? Was it a simple bank transfer and US bank just counted it as a direct deposit? Easy as that to hack that requirement? Or was there more to it that you got it to look like a direct deposit somehow?
@TheCreditFrog10 ай бұрын
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!
@ap229010 ай бұрын
@@TheCreditFrog got it, thank you!
@princenguyen129810 ай бұрын
Congratulations! I actually just got approved, myself. I am just starting my CC journey, so maybe the low velocity helped because I had no prior banking relationship with USB. Glad to have what appears to be a long term keeper! Edit: I was 3/24 and 1 hard inquiry in last 6 months. Fico Credit Score was 812
@TheCreditFrog10 ай бұрын
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!
@MikeMaye10 ай бұрын
Congrats on the new card Stan 💥 US Bank and their credit cards doesn't seems to be talked about much in the community even though I think they have great cards. Thanks for being transparent and providing a great vid !
@TheCreditFrog10 ай бұрын
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!
@RemGb1010 ай бұрын
Congrats Stan. I know how much you wanted this card. Trust me, the effort is worth it, as it is the most used card for me and especially for P2 as when in doubt she can use this card in person for 4.5% on all Gpay/Apple pay purchases. Also it is practically 4.5% on all foreign spend when you use Apple/Google Pay overseas in Europe and other places... BTW, I guessed it correctly in your poll. Got card through Recon!. I went through same process with my USB AR even the Recon call was exactly the same experience. Dont forget to ask for Retention off of 5k points as soon as your annual fee posts....
@TheCreditFrog10 ай бұрын
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!
@RemGb1010 ай бұрын
@@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.
@JPBuffet10 ай бұрын
Nice detailed video Stan!
@TheCreditFrog10 ай бұрын
Thanks JP!
@chrisv492010 ай бұрын
Stan the man!!! How exciting man! Congrats on your new card. Would a US business card follow next?
@TheCreditFrog10 ай бұрын
Thank Chris! Appreciate it bro. There's going to be another card to follow, but it won't be a USB business card!
@DugrozReports8 ай бұрын
Data point: When I applied for the USBAR, I had 4 new personal cards in the prior 12 months. Instant approval. With that in mind, I had a long relationship with US Bank (Checking account for 20+ years) .... not sure how much that was a factor.
@TheCreditFrog8 ай бұрын
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!
@MyDVCPoints10 ай бұрын
Gratz Stan. That's a lot of hoops to jump through. I don't think I could do it. Let us know how you plan on using the SUB.
@TheCreditFrog10 ай бұрын
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!
@zacharyraper292010 ай бұрын
Nice video! Was hoping to see an unboxing and weighing
@TheCreditFrog10 ай бұрын
Thank you! Unboxing video coming soon
@bradybrown51409 ай бұрын
Have 13 cards, I haven't been denied yet but also haven't seen an instant approval in years. I'm sure I'll eventually be calling reconsideration lines too. Glad you eventually got it. US Bank makes you jump through hoops to get cash back but their payout rates are great.
@TheCreditFrog9 ай бұрын
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!
@Phlegethon2 ай бұрын
I spent months and months and months to get a credit card 😂 that’s next level
@TheCreditFrog2 ай бұрын
Gotta have a plan!
@MattWelterOfficial10 ай бұрын
Smart of you to first open up that U.S Bank Checking Account to establish that relationship before applying for the Altitude Reserve. Also cool to get that $300 bonus as well! After going through some Recon steps, congrats on the new Card Stan! I also think the US Bank Altitude Reserve is super underrated so it'll be exciting to see the value you get out of it. Great video as always!
@TheCreditFrog10 ай бұрын
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!
@chriscalvo82434 ай бұрын
Hey Stan! Love your content! Question: do you think the approval odds for the USB AR are higher for establishing a banking relationship vs opening a lower tier credit card with them? Was thinking I could either get a lower tier one, wait at least 6 months and get the USB AR, or product change up to the USB AR? Thanks!
@TheCreditFrog4 ай бұрын
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!
@Abdullahi_World10 ай бұрын
Congratulations Stan on the approval, US Bank did made this card powerful like Amex did with the Aspire.
@TheCreditFrog10 ай бұрын
Thanks Abdullahi! This is indeed a very powerful credit card!
@SectionChief10 ай бұрын
How did you know ahead of time that the ACH would count as a direct deposit? This doesn't work with some banks, like SOFI for example, if not coming from a authorized payroll provider.
@TheCreditFrog10 ай бұрын
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!
@4jairus10 ай бұрын
Stan, your kicking mad knowledge ✊🏾
@TheCreditFrog10 ай бұрын
Of course! This card is SO GOOD, so I want everyone to know how to get one!
@OfficialChadsMoneyMinutes10 ай бұрын
Congrats Stan!
@TheCreditFrog10 ай бұрын
Thanks Chad!
@TomSramekJr7 ай бұрын
I ended up getting the Cash+ card first, then applied for the Altitude Reserve a year later. I also had to get to a reconsideration line but got approved with a $20K credit limit. Not easy, but do-able!
@TheCreditFrog7 ай бұрын
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
@Justin-sp7kz3 ай бұрын
813 credit score, $114,400 income, 1/24, no previous relationship with US bank prior to USBAR application. Applied, got told I’d hear if I was accepted in 3-7 business days. I called on day 4, they said it was denied. I asked for a reconsideration, got an approval after 3 more days of waiting. The only downside is it’s only a $5k limit 😬😬😬- have you experienced a CLI with US Bank yet? I’m thinking of applying for one in 6 months. I get my card this Wednesday!
@TheCreditFrog3 ай бұрын
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!
@Justin-sp7kz3 ай бұрын
@@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 😭😂
@docsays10 ай бұрын
Man i love seeing how methodical you were in this app! Looks like it paid off ! 👏🏼👏🏼👏🏼
@TheCreditFrog10 ай бұрын
Thanks so much Doc! Yes, it certainly did!! 🎉🎉🎉
@SpartanOfFinance10 ай бұрын
I smell an unboxing video in the near future.
@TheCreditFrog10 ай бұрын
Haha! You have a great sense of smell!
@SpartanOfFinance10 ай бұрын
@@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??
@TheCreditFrog10 ай бұрын
@@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 👍!
@SpartanOfFinance10 ай бұрын
@@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!
@TheCreditFrog10 ай бұрын
@@SpartanOfFinance Congrats! That is awesome! Enjoy the new card!! You'll probably be able to unbox the card yourself before mine comes out 🤣
@CardHunter-u2t6 ай бұрын
Great video, Bravo! Im thinking about getting my first card with US Bank. Ex 778 2 Inq. Last 6 months with only 1 account opened. No banking relationship. Thoughts on approval or should I stick with applying for the Autograph card? TIA.
@TheCreditFrog6 ай бұрын
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!
@jjlinang211922 күн бұрын
Hey Stan! Thanks for the video. I'm looking to run a similar trifecta to you with BILT Mastercard (rent, non-mobile wallet dining), Bofa Customized Cash (online shopping), Costco Citi Anywhere (Costco + gas) and USBAR (everything else). Unfortunately, I live on the east coast so I can't develop a banking relationship with US Bank. However, I could open a CD (like you did in your process). I wanted to ask, would this help me towards getting approved for the USBAR or did you only take this step to go up in the US Bank rewards program? Also, I did just get the BILT mastercard earlier in July with 1 other hard inquiry (C1VX denial) in June. Do you suggest I wait at least 6 months from my last hard inquiry to increase my chances? Or 6 months from my June hard inquiry? I have great credit (750+) but lower income. I appreciate your help, thank you!
@TheCreditFrog22 күн бұрын
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!
@jjlinang211922 күн бұрын
@@TheCreditFrog thank you! That's very helpful!
@ow596610 ай бұрын
You are the man Stan.
@TheCreditFrog10 ай бұрын
Thank you!
@steve_rogers_usmc199010 ай бұрын
Thats awesome congrats! Always amazing how an algorithm will deny you, yet an actual human is needed to correct that error. Great video!
@TheCreditFrog10 ай бұрын
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!
@tdd1010 ай бұрын
I have had the card about a year, and am interested to see if they will offer any retention offers. Just as a data point I was surprised in Denver in April I booked a car rental through the us bank portal and it was way cheaper that auto-slash, and other ways I have rented cars before and I was able to use the 1.5 cent redemption.
@TheCreditFrog10 ай бұрын
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!
@HistoryThigh900010 ай бұрын
Hell Yeah. Good job!
@TheCreditFrog10 ай бұрын
Thank you!
@djoshuagarcia2 ай бұрын
I know this is an older video but I’m about to start a relationship with US Bank to one day open a US Bank Altitude Reserve and I want to get the checking bonus so I’m hoping anyone with experience can clarify: Are all bank to bank ACH transfers considered direct deposits? If not, which ones qualify?
@TheCreditFrog2 ай бұрын
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
@jonahsam10158 минут бұрын
Does it have to be a checking account or can u open a savings instead?
@TheCreditFrog28 минут бұрын
It could be a savings account.
@jeffreyplatt77037 ай бұрын
I have this card scheduled to be applied for in 2028. I plan on having 0/12 on new accounts and inquiries before hand. I’ll be applying for the US bank cash plus card in 2027 to get the relationship started.
@TheCreditFrog7 ай бұрын
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.
@livesayjd9 ай бұрын
Great video, Stan! Question for you. I was thinking about applying for this card. I would first of course try to sign up for a US Bank checking account, before applying for the card. Now, as of 12/5/23 my credit report would look like this: 0 new cards in the last 2 years, but a fair number of hard inquiries in the last 2 years: 6 Experian, 4 TransUnion, 2 Equifax. Credit scores well over 800, high income. On those inquires, in the last 6 months it would be: 2 Experian, 1 TransUnion, 0 Equifax. What do you think my chances would be?
@TheCreditFrog9 ай бұрын
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!
@livesayjd9 ай бұрын
Thank you!@@TheCreditFrog
@WhiteoutSnowy10 ай бұрын
I do see they offer $325 dining credit for offset that $400 AF but it’s monthly credits like Amex does ? Or you can used it all up in a month if you wanted to ?
@TheCreditFrog10 ай бұрын
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!
@dannydang20147 ай бұрын
I have seen a lot of credit cards change their annual dining credit to monthly credits and you have to remember to use or lost it each month. Is there any indication the altitude reserve will do that in the near future?
@TheCreditFrog7 ай бұрын
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!
@tooeasy42173 ай бұрын
So they pulled experian. Im in cali as well. I guess i will have to wait to get this card with 8 inquires last 12 months lol
@TheCreditFrog3 ай бұрын
Haha, dang! You’ve been putting in some work! Yeah, probably best to garden and cool off for a while!
@tooeasy42173 ай бұрын
@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!
@TheCreditFrog3 ай бұрын
@tooeasy4217 that’s awesome!! Congrats on the card!! 🎉🎉 You’re going to love it!
@SAKAICHEWY4 ай бұрын
Another question, when filling out the app it asks for gross sales and your income so what percentage of your gross business sales do you put as your personal income if you're not paying yourself?
@TheCreditFrog4 ай бұрын
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.
@timtime887 ай бұрын
You made me want to get this card but it looks like such a pain in the butt. Opened a checking account with them today (too bad the $300 bonus is no longer available)
@TheCreditFrog7 ай бұрын
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! 👍
@timtime887 ай бұрын
@@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
@LK_EBM10 ай бұрын
A mix of bank account bonus and credit card! I should really look into bank bonuses.
@TheCreditFrog10 ай бұрын
Yes! This was a perfect opportunity to combine them both into one video!
@SAKAICHEWY4 ай бұрын
I got denied and I have acts with them. Even with leaving 10k sit in the act for 4 months and a 735 credit score....
@TheCreditFrog4 ай бұрын
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!
@davidmui194410 ай бұрын
Great video. I dont know why you don't have more subscribers
@TheCreditFrog10 ай бұрын
Thanks David! It's ok, that means I can spend more time with the subscribers I already have!
@qahtanalqaysi511610 ай бұрын
Welcome to the team
@TheCreditFrog10 ай бұрын
Thank you! Happy to be here 🙌!
@jenniferw89639 ай бұрын
Hey Stan now that you have the US Bank Altitutude Reserve, you should perhaps grab the US Bank Cash+ as well? 5% back on utilities and another 5% category (I chose Electronic Stores). Can the US Bank Cash+ points be transferred to the Altitude Reserve card for 1.5x on travel portal?
@TheCreditFrog9 ай бұрын
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!
@jenniferw89639 ай бұрын
@@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?
@TheCreditFrog9 ай бұрын
@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
@grogu_20033 ай бұрын
How early in my journey could I get this card? And what if I dont want to open a bank account with them, is it to hard to get approved?
@TheCreditFrog3 ай бұрын
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.
@grogu_20033 ай бұрын
@@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)
@jmcapitul09 ай бұрын
For the direct deposit howd you get it to reflect correctly? Since it was from another personal account right? Got an offer in the mail for one of their accounts but it says it has to be a paycheck or from the govt..
@TheCreditFrog9 ай бұрын
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!
@jmcapitul09 ай бұрын
@@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.. 🤞🏼
@zyzzuschrist34108 ай бұрын
What documentation did they need to push your application through sir? I’m currently using these DPs to apply for the USBAR next year once under 0/12
@TheCreditFrog8 ай бұрын
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!
@zyzzuschrist34108 ай бұрын
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
@TheCreditFrog8 ай бұрын
@@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.
@jhgolfman10 ай бұрын
Where did you get the business gold 10k in 6 month offer? I can only get 3 month offers.
@TheCreditFrog10 ай бұрын
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.
@Greg_D9910 ай бұрын
Hi Stan. I"m confused. Do you know why your transfers were considered a direct deposit? I thought only deposits from an employer or from government benefits is considered a direct deposit. I received an email from US Bank with an offer to get the $300 bonus but the email shows the following: "A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit".
@TheCreditFrog10 ай бұрын
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.
@Greg_D9910 ай бұрын
@@TheCreditFrog Interesting. I wonder if that works with banks other than Ally. Thanks for the response Stan.
@MarkS-cd3cw9 күн бұрын
What is your go to card for grocery?
@TheCreditFrog9 күн бұрын
US Bank Altitude Reserve! Fortunately, my grocery stores all take mobile wallets so it works out well.
@dannydang20149 ай бұрын
Are you able to use the card before the physical card arrives?
@TheCreditFrog9 ай бұрын
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!
@superflee129 ай бұрын
So external transfers from another bank count as direct deposit with US Bank?
@TheCreditFrog9 ай бұрын
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!
@OfficialMichaelGlathar10 ай бұрын
Congrats on the new card! For your US bank checking account, it really counted your deposit from Ally into it as a direct deposit? Been looking at potentially getting that US Bank account to get that bonus but that would make it a lot easier if that actually works and counts
@TheCreditFrog10 ай бұрын
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.
@OfficialMichaelGlathar10 ай бұрын
@@TheCreditFrog do you know if ally works for other banks accounts as well like for AMEX checking account or Capital One checking account?
@TheCreditFrog10 ай бұрын
@@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.
@OfficialMichaelGlathar10 ай бұрын
@@TheCreditFrog perfect will look into that. Thanks!
@boombstc19 ай бұрын
@ Stan How many personal cards did you have at the time of application?
@TheCreditFrog9 ай бұрын
I had 9
@boombstc19 ай бұрын
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?
@TheCreditFrog9 ай бұрын
@@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!
@licorish10 ай бұрын
ally savings or checking to mimic direct deposit?
@TheCreditFrog10 ай бұрын
Checking, but I’m pretty sure savings would work too!
@livesayjd9 ай бұрын
Update: it looks like US Bank has closed the "open a brokerage account in order to open a checking account" loophole. The website now requires you to log in as a current customer in order to apply for the brokerage account. I called US Bank and was told that you have to have a checking or money market account in order to apply for the brokerage account. I have applied for both checking and money market accounts, but those applications were denied since there is no branch in my state.
@TheCreditFrog9 ай бұрын
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.
@Jay-vt2so10 ай бұрын
Let's go Stan! 🔥🥳😎🥳😎🥳🔥
@TheCreditFrog10 ай бұрын
Thanks Jay! 🎊🎉🎉🎉🎊 💯
@F_Bibiloni10 ай бұрын
If I opened 9 new accounts in the last 2 years, would US Bank approve me?? Currently 788 Experian fico score
@TheCreditFrog10 ай бұрын
Not sure, but your chances will be improved if you have 0-1 new accounts in the last 6 months!
@Spider-time9 ай бұрын
what credit bureau did they pull from
@TheCreditFrog9 ай бұрын
Experian
@genebrowder363610 ай бұрын
You never explained why you wanted this card.
@TheCreditFrog10 ай бұрын
I will explain more in my next video!
@Bad_Hombre2410 ай бұрын
They don’t offer a checking account in my state 😢
@TheCreditFrog10 ай бұрын
Darn! Yeah, US Bank unfortunately is not available in some states.
@anandr138510 ай бұрын
Open a CD and then you can (I believe)
@jamesyu61310 ай бұрын
Congratulations
@TheCreditFrog10 ай бұрын
Thank you!
@jamesyu61310 ай бұрын
@@TheCreditFrogyw
@pkmachinegun8 ай бұрын
Bro idk why banks do this auto denying.
@TheCreditFrog8 ай бұрын
I know. It’s so rude.
@pkmachinegun8 ай бұрын
@@TheCreditFrog I mean honestly, you put in a ton of work and you’d think they see that.
@TheCreditFrog8 ай бұрын
US Bank is just one of those banks that is auto-deny happy. I knew what I was getting myself into 😂
@AhmadKhwajazada10 ай бұрын
First😊
@TheCreditFrog10 ай бұрын
Congrats Ahmad! You have won first 🥇!!
@F_Bibiloni10 ай бұрын
I really want that credit card 😟😟
@TheCreditFrog10 ай бұрын
You can get it, but make sure to plan ahead to maximize your chances!
@TheZombaslaya10 ай бұрын
Jeez US bank is stingy.
@TheCreditFrog10 ай бұрын
They're generous enough to approve me for this card so I'll take it!
@djcrissz1810 ай бұрын
🎉🎉🎉🎉😊
@TheCreditFrog10 ай бұрын
Thanks Cristian!! 🙌 🎊
@ItsMeCJ10 ай бұрын
First!!!
@AhmadKhwajazada10 ай бұрын
I have won this one, better luck next time!
@TheCreditFrog10 ай бұрын
Almost first CJ! Today you were 3rd 🥉! Or, if you prefer, you were first after Ahmad and Anant 🏆
@TheCreditFrog10 ай бұрын
@@AhmadKhwajazada 🏆
@ItsMeCJ10 ай бұрын
@@AhmadKhwajazada what?!!!! Stop trying to steal my victories 😭
@ItsMeCJ10 ай бұрын
@@TheCreditFrog I’m always first! Those other folks are disqualified for commenting before me. That’s a violation!
@jakemercure10 ай бұрын
Second
@TheCreditFrog10 ай бұрын
Haha, Jake you made it to 5th, but you'll still get this participation medal! 🏅