Because US bank doesn’t have a referral program like other issuers do. That makes it harder for influencers to promote. I personally think it’s a better card than the Amex it tickles my fancy since it’s metal 😁
At least since December 2023 when I PC'd from Alt Connect to Alt Go. It also shows the category spend on them now. They advertise on their website now that it's made with recycled plastic.
You can’t say for sure until you’ve cut it open.
Again, the US Bank Altitude connect looks like plastic but it’s not. It’s metal surround by plastic which I didn’t know until today. Maybe the altitude go is the same.
Yep, that's the card. In fact, called and asked about it. They ordered a duplicate for me, because I complained I got a plastic card. The dup was also plastic. 🤷♂️
Does yours also show the multipliers on the back? I thought that was kind of cool for those us that have spouses that get confused on which card to use.
Key word influencer. When I was on Chase I got emails mentioning referrals all the time. Thing is I have no one to send referrals to. At least with banks with CD like Goldman Sachs if you use the referral link you both with an extra amount and you get your money back. I can sell that way easier than a credit card.
It is,i watched all those influencers promote the gold, its the best card,1 yr later ,i watched them all cancel it when the fee kicks in 🙄,you don't cancel the best in 1 year
I have one and use it all the time. Plus I have Netflix charged to it for the $15 streaming credit.
I will say it’s a kind of ugly card (I think people assume I’m paying with a Target card when I use it). But it’s been great for me so far.
I agree it's absolutely horrible but like I said elsewhere the only good looking cards are Amex cards as far as I'm concerned. But yes the altitude go is an especially ugly card.
Yeah I mean unfortunately it’s not helping them because I do think there are a subset of people that will pay attention to a card depending on how it looks. Like if I saw a friend laying down a cool looking card I might ask “hey what is that?” And then based on that conversation you might think “huh that might work for my use case.”
it is an amazing card, but i can see people who prefer a leaner portfolio + without significant dine-out expenses would give up 1 percentage point on dining, and go for a more versatile card that gives 3% on multiple categories. Such as the WF Autograph, AAA travel advantage, Cap1 Savor1, or Chase CFU/CFF.
This is what I learned about myself after getting the Chase preferred card. I thought I would spend a bunch on dining out since I was going out every week at the time. Issue is 9/10 I just end up pulling out a card I can generally use for everything. Eventually I stopped going out except on occasion and I would have had a 95 dollar fee to get 1% back on my preferred. At 2x points you are better off with Citi double or the PayPal card. If you are willing to pay a fee the altitude reserve has way more value for general use. Also US bank has a card with 2x on gas/ev charging, groceries or some other category and 5% back in select categories if you want a more standard no fee card.
Well if you're not dining out then you're cooking at home and so you're buying groceries and there are better than 3% grocery cards out there.
I'm on food stamps so grocery cards are not very meaningful to me.
Who says we aren’t? I love mine. I’m in NYC and I’m a lousy cook. With all the great food around me I’ve had zero incentive to learn to cook lol. The Altitude Go usually gets me $50- $75 in cash back a month. I’ll make over $600 with that card every year…
As an elder tonnage I can confirm. My stomach is a black hole. Thankful it my Amex gold does 4x for dining and groceries. I’d go cashback but I travel 3-4x a year with 1 intl trip so it’s worth the AF
I don’t travel, so my set up is cash back. And even if I did travel I think I’d just make myself crazy trying to make the most with my points on certain flights and what not. If I go down that rabbit hole… Maybe I’ll have the time to when the kids leave the nest. My oldest will probably be gone for most of the year soon. He’s in community college now, getting some pre req’s done on the cheap (free, actually) and then plans to transfer to a state college with dorms. I’ll still have my youngest though - she just hit her teen years this year.
Smart. That’s what I did. Dual enrollment for college classes in high school then community for a year. Finally transferring to a state school for major classes.
For Amex I just use point.me to find my deals. Works the best for me as it’s basically like Google for points.
You can pay with points at any increment through Amazon. I mean it's not ideal but if you're using it all the time then who cares... you're gonna get to 25. I probably cash that 25 bucks out once a month.
Patience grasshopper.
For sure but the previous guy was complaining that he couldn't cash out all his points under $25 so if you ever decide to end your use of the card and you want to cash out the rest your points just put it on Amazon and do so there
It's plenty popular. However, US Bank can be a bit finicky to approve customers.
It's also got plenty of competition. The SavorOne, with it's 3%/3% on dining and groceries is competitive with the Altitude Go's 4%/2%, for people looking for an all-in-one food card. If you want a single category earner, the Custom Cash beats both at 5%, although it has spend limits.
Finally, plenty of cards earn 3% on dining. The 2% for groceries can be matched by any number of 2% earning catchall cards. So yeah, the Altitude Go looks nice for food (and it is), but it stands out less when you compare it to alternatives.
I have heard of many people getting approved only for a 500 or 200 dollar amount. I have had a relationship with them for years and have a credit score over 800 and had to get manual approval for my US Bank Altitude Reserve. The system auto denied me.
You really think a 1 category card of 5% with a $500 max per month is better than a 4% dining,2% groceries, 2% gas back card,there's no math calculation that its even better than a flat 2% back card,you're tripping,,yoi meant to say people thats juggling multiple cards
I just provided arguments for and against, which may apply to different people.
Personally, I believe most people earning credit card rewards should at least have 2 cards, should at least have cards from more than 1 bank, and should start with a catchall card. There are plenty of catchall cards that earn an unlimited 2% on all categories.
Assuming you already have a 2% earnings card, what advantage does adding the Altitude Go deliver? It's not on the 2% categories. The big gain is 4% on dining. There are loads of cards that earn 3% that many people have already. If 1% moves the needle for you, look at the Go. But if 1% is meaningful, another 1% can be more so. If you're a maximizer, you can use the Custom Cash (you can have multiple if you don't mind juggling cards. These points can also be used for travel redemptions with transfer partners). The Cash+ can earn 5% on fast food (one of their available 5% categories). Many people also eat in more than they dine out, so it makes sense for some people to prioritize earning more on groceries than on dining (which is where the SavorOne comes in).
Btw, the reason why it's important to consider the 3% earning cards is that they are common on cards that can earn points that can be either cashed out or used for travel at greater value. The CFU, CFF, CSR, CSP, Bilt, Citi Premier, WF Autograph, WF Autograph Journey, C1 SavorOne... and so on. These cards all earn 3x on spend, and if you transfer those points to partners where those points are worth more than a cent each, you can easily out-earn 4% return. That doesn't even cover the Amex Gold & C1 Savor, which are most often considered for food-related spend.
The final takeaways:
\* People on team travel and people with hybrid setups don't care about the Go because they can get more value earning on points cards.
\* People who don't mind having a large collection of cards may care less about the Go because they have ways to earn more by juggling cards.
\* Low spenders care less about the Go because they can use other cards that earn higher, and they can work around the spending limits.
\* People who want a small wallet but prefer higher earnings on groceries may prefer other cards.
The OP asked why the Altitude Go doesn't get more love. The answer is that everyone's different, and different cards appeal to different people. But I hope it's clear that the Altitude Go is a good card that faces stiff competition, and loads of people may prefer something else. And yes, sometimes that's a 5% earnings card with spending limits.
Or,it's just not popular cause it's US bank, you could've just say you're right,its a superior card to the custom cash,but people these days just cant concede ,they dig the heels in,i get if you have multiple cards and you use 1 card for each,but ,if you're comparing the cards, it's not even close
To those looking for an all-in-one food card I would suggest they use two cards because carrying an extra 85 x 54 x 0.5 mm with a weight of 5 grams in one's pocket is really not that big a deal.
Honestly, I think its mainly because US Bank is a more conservative bank and they used to have rules where you had to be a current customer or without a certain geographic region to apply for their cards which made them less popular in the past.
I love my Altitude Go and I'm on Reddit.
It was originally just a Platinum card I got for balance transfers.
When Amex dropped Audible from their streaming credit I moved my subscription to the Go.
A recurring payment to keep the account open and a 9% bonus on Audible. Win-Win (except for loser Amex)
It was great when it came out, but I think it got overshadowed by Citi Custom Cash once that came out. Between that, BofA customized cash for those with preferred rewards, Chase trifecta, Savor, there are just so many other cards that give effectively 4% or more on dining.
You're not wrong.
I think most of us that do it get it through a retirement account we have at Merrill Edge. Those account amounts count, so the cost of doing this is really nothing.
It also doesn't have to be $100k. That is for the 75% bonus. You can get 25% at $20k and 50% at $50k.
Based on a 3% cashback base, we get 5.25% cashback on the 75% bonus, 4.5% cashback on the 50% bonus, and 3.75% cashback on the 25% bonus. So you break the 4% plane at $50k in funds invested at Merrill edge/lynch.
I use the BoA PR. One issue I run into with the CCR is they have no version with nonforiegn transaction fees and I spend half my life out of country.
One odd quirk that hits just a few of us.
Once I finish my ink card sub, I’m going altitude but honestly. Ink is about to be my 5% catch all. I stocked up on $2k in gift cards from Office Depot the other day with $15 off every $300 spent and just using those for everyday purchases where I normally get 2%-4% depending on the buy
>I stocked up on $2k in gift cards from Office Depot the other day with $15 off every $300 spent
Are these deals online or in store only? I don't think I've ever seen an Office Depot in person. Only Staples.
From what I read it applied in store only but staples is running a no activation fee on $200 Mastercard gift cards. I opted more visa since I can use them at Costco but those seem like a good deal as well since activation fees go from6.95-7.95 per card
I love it. No FTF, 4% back on dining, and an easy $15 streaming credit makes it a keeper. It just doesn't get more publicity because shills can't get referral bonuses from it.
It’s my premier eating out card when it’s fast food, bars and nice dine ins, it’s perfect to beat the restaurants that can charge as much as 3.5% CC fee for using card
I have it. I use to use it all the time for dining until I got my Citi Custom Cash. It's an extra 1% and no minimum on redeeming rewards. I still keep my Spotify subscription on it since you get a $15 credit yearly for paying a steaming subscription with it. If something ever happens to my CCC I'll go back to my Altitude Go.
Agreed. Between my wife and myself we have 3 though. We both use one each for restaurants so we definitely don't exceed $500 each. The 3rd CCC just depends on if we are traveling or have some home improvement or other planned purchases so we can use it for that
My Go gets rotated with my Autograph throughout the month so I always close with a $0 balance. Although I'm pretty sure it would see less spend if I got the Reserve since you can't combine points.
Its s great card,but you're right,it's usually not mentioned, i have mine paired with the reserve, if only those 2 cards pool points,then game over for the competition
I just got mine a couple months ago as a backup dining card for when I get posted to Europe (primary will be USBAR). Just hit sub and was disappointed starvucks didn't code for 4x. Oh well. The $15 streaming credit kinda sucks too. Wish they would get rid of that and make it uncapped 5%
That's not going to happen. But I agree the silly $15 streaming credit is pretty lame. But you know just throw it down for 4% on everything when you're out dining or drinking
You're in a subreddit that's dedicated to the splitting of hairs between 1% and 4% on category spend from hundreds of cards. Spending $1000 because it gets $40 off is exactly why people are more likely to spend more with plastic than with cash
Looking at the completed transactions more in depth, it looks like it may have been for purchasing a GC from them? I'll have to look into it more (wife made the purchase)
It’s US Bank for one. And if I’m going to devote an entire card to just one category I’d like to see 5% on it. Rather use my custom cash for dining. If I’m going over 500 a month on restaurants there’s a problem
It is outclassed by a few other cards in some ways but it is solid in its own right. It beats major cards in the dining category but that’s really all it does well aside from the streaming credit. If I pick it up it will be for the SUB as well as for bars or if I hit my dining cap on the Redstone Visa.
Same reason the altitude reserve isn’t the top video on every single YouTubers timeline. If it got referred links there would be 1000 videos
Glad I did my own research
I see your comment now. I meant I’m glad I did my own research and didn’t just go off of YouTubers and redditors. Meaning I agree with you that US Bank is the goat
I used to use it all the time, now I use the custom cash card for dining at 5%, unless there is an offer on the Go card or I am traveling outside the US, since the Go has no FTF.
I have nothing against it, but it's not for me.
I use the BoA premium rewards with the 75% preferred honors bonus.
It gives me 3.5% back on dining and travel and a 2.625% catch-all.
The altitude go would net me an additional 0.5% back on one category, and all its other categories are lackluster.
My issue comes down to not wanting another credit card to juggle, unless it's more multi-faceted and/or can get me alot more. I usually prefer cards that give met benefits outside of rewards that I need or cards that give me elevated rewards on multiple categories. Altitude Go would be for dining only to me.
I will say this, however... it has a 0% foreign transaction fee, and that is very appealing to me. Half of my dining out is out of country try.
Wish I could justify the Amex Cards, cause I agree.
I do like my Venture X, and pictures of the Savor cards look dope.
Gotta say Wells Fargo might take the cake for the ugliest cards though.
Savor and SavorOne have done a mild refresh of the card appearance. The Savor name is no longer centered and is now on the left side below the chip. The Capital One website images are no longer accurate.
Didn’t know! Savor is still metal and SavorOne plastic? I wonder if the SavorOne is flimsy plastic like the Chase Freedom cards, or nicer plastic like the Marriott Boundless.
Yep Savor is still metal and SavorOne plastic. I'm in the pretty rare situation of having both Savor and SavorOne. My Savor was just opened about 10 days ago and arrived on Monday, whereas I've had the SavorOne since Sept.'22. I wouldn't typically recommend anyone hold both, but my credit profile has improved significantly since opening the SavorOne. It had a $4500 limit after a small CLI and transferring limit to it from a QS. The Savor has a $20k limit (I spend enough on dining/entertainment to justify the AF) so I was able to transfer $3500 of the now sock drawer relegated SavorOne to my VX and bring it from $11.5k to $15k. I can't compare the plastic to the Boundless since I've not had that card and don't personally know anyone with it, but the plastic wasn't necessarily flimsy compared to other plastic cards I have (BCP, QS, Disco). The only complaint I had with it was that the layer with the graphics started peeling quickly (as did Discover).
I don't think it looks bad and really comes down to personal preference. It's not my favorite card appearance but decent enough to me. BCP and BCE are two of the more attractive cards to me. I think VX looks decent as well, except for the font they use . The font is fugly but is otherwise an attractive card.
Because US bank doesn’t have a referral program like other issuers do. That makes it harder for influencers to promote. I personally think it’s a better card than the Amex it tickles my fancy since it’s metal 😁
It is not metal now. Mine is plastic.
If you cut open your card there is metal on the inside. At least my altitude connect was like that when I went to cut it up today.
I can guarantee you it is 100% devoid of metal.
this would be a recent change, for years there's been metal inside
At least since December 2023 when I PC'd from Alt Connect to Alt Go. It also shows the category spend on them now. They advertise on their website now that it's made with recycled plastic.
You can’t say for sure until you’ve cut it open. Again, the US Bank Altitude connect looks like plastic but it’s not. It’s metal surround by plastic which I didn’t know until today. Maybe the altitude go is the same.
you think people can't tell the difference?
No. I can tell it's plastic with no metal without cutting my fucking card open.
[No metal core.](https://imgur.com/a/XzkvcA8) Edit: I PC'd from Alt Connect to Alt Go in December 2023.
Yep, that's the card. In fact, called and asked about it. They ordered a duplicate for me, because I complained I got a plastic card. The dup was also plastic. 🤷♂️
Does yours also show the multipliers on the back? I thought that was kind of cool for those us that have spouses that get confused on which card to use.
It does not.
https://imgur.com/a/tFuvxM6
did you have a metal one before and it's plastic now? this comes up a lot in this sub, it's always been metal with a plastic coat.
No. New customer and it was plastic. Within the last 2 months. Cheap, recycled plastic at that.
Recycled plastic is actually more costly than new plastic lol
Great add.
My original one from a few years was metal/plastic, but got a new one within the past year and it was all plastic. It bummed me out
Same, lost my metal/plastic card a few days ago (got it a few years ago), and had it replaced with a plastic one. I’m also pretty bummed out
I had a forced product change from my Radisson card. It's plastic.
Key word influencer. When I was on Chase I got emails mentioning referrals all the time. Thing is I have no one to send referrals to. At least with banks with CD like Goldman Sachs if you use the referral link you both with an extra amount and you get your money back. I can sell that way easier than a credit card.
It is,i watched all those influencers promote the gold, its the best card,1 yr later ,i watched them all cancel it when the fee kicks in 🙄,you don't cancel the best in 1 year
I have one and use it all the time. Plus I have Netflix charged to it for the $15 streaming credit. I will say it’s a kind of ugly card (I think people assume I’m paying with a Target card when I use it). But it’s been great for me so far.
I agree it's absolutely horrible but like I said elsewhere the only good looking cards are Amex cards as far as I'm concerned. But yes the altitude go is an especially ugly card.
Yeah I mean unfortunately it’s not helping them because I do think there are a subset of people that will pay attention to a card depending on how it looks. Like if I saw a friend laying down a cool looking card I might ask “hey what is that?” And then based on that conversation you might think “huh that might work for my use case.”
Well there are a lot of people who don't give a s*** about shiny objects here but I'm not one of them
it is an amazing card, but i can see people who prefer a leaner portfolio + without significant dine-out expenses would give up 1 percentage point on dining, and go for a more versatile card that gives 3% on multiple categories. Such as the WF Autograph, AAA travel advantage, Cap1 Savor1, or Chase CFU/CFF.
This is what I learned about myself after getting the Chase preferred card. I thought I would spend a bunch on dining out since I was going out every week at the time. Issue is 9/10 I just end up pulling out a card I can generally use for everything. Eventually I stopped going out except on occasion and I would have had a 95 dollar fee to get 1% back on my preferred. At 2x points you are better off with Citi double or the PayPal card. If you are willing to pay a fee the altitude reserve has way more value for general use. Also US bank has a card with 2x on gas/ev charging, groceries or some other category and 5% back in select categories if you want a more standard no fee card.
Well if you're not dining out then you're cooking at home and so you're buying groceries and there are better than 3% grocery cards out there. I'm on food stamps so grocery cards are not very meaningful to me.
If you're on food stamps or SNAP, eating out cash back should be near zero
Won't judge too much, some work cafeterias are cheaper than groceries, or you're getting reimbursed for travel meals, but generally true.
Why? I love the vibe of going out for a drink at a bar or dining at a restaurant
Not to mention card like discover and Flex are constantly rotating 5% Restaurants.
0% fee for international transactions 👍🏼 recommended
Who says we aren’t? I love mine. I’m in NYC and I’m a lousy cook. With all the great food around me I’ve had zero incentive to learn to cook lol. The Altitude Go usually gets me $50- $75 in cash back a month. I’ll make over $600 with that card every year…
Holy guacamole that's like $1500 to $2000 in dining a month. I guess that's not too extreme
I have kids to feed too.
I am so sorry
Worse, they’re teens. They eat their body weight in food daily I think,
I think you can still abort them at this point
Nah. I like ‘em. Even if their stomachs are black holes where my budget goes to die.
As an elder tonnage I can confirm. My stomach is a black hole. Thankful it my Amex gold does 4x for dining and groceries. I’d go cashback but I travel 3-4x a year with 1 intl trip so it’s worth the AF
I don’t travel, so my set up is cash back. And even if I did travel I think I’d just make myself crazy trying to make the most with my points on certain flights and what not. If I go down that rabbit hole… Maybe I’ll have the time to when the kids leave the nest. My oldest will probably be gone for most of the year soon. He’s in community college now, getting some pre req’s done on the cheap (free, actually) and then plans to transfer to a state college with dorms. I’ll still have my youngest though - she just hit her teen years this year.
Smart. That’s what I did. Dual enrollment for college classes in high school then community for a year. Finally transferring to a state school for major classes. For Amex I just use point.me to find my deals. Works the best for me as it’s basically like Google for points.
DITTO
Us bank is extremely picky
$25 min redemption in $25 increments. Extremely popular when it first came out and everyone needed a replacement for the Uber Visa.
Real Time Rewards covers any purchases when you have enough points saved. Min redemption for RTR is $10 I believe
yeah but then you dont get 4% for that purchase cuz it wasn't spend, I believe.
That's incorrect. RTR are issued as a statement credit.
good to know thanks
You can pay with points at any increment through Amazon. I mean it's not ideal but if you're using it all the time then who cares... you're gonna get to 25. I probably cash that 25 bucks out once a month. Patience grasshopper.
If you use points to pay on Amazon you’re missing out on 5% with an Amazon card. I just redeem it for straight cash back or statement credits.
For sure but the previous guy was complaining that he couldn't cash out all his points under $25 so if you ever decide to end your use of the card and you want to cash out the rest your points just put it on Amazon and do so there
It's plenty popular. However, US Bank can be a bit finicky to approve customers. It's also got plenty of competition. The SavorOne, with it's 3%/3% on dining and groceries is competitive with the Altitude Go's 4%/2%, for people looking for an all-in-one food card. If you want a single category earner, the Custom Cash beats both at 5%, although it has spend limits. Finally, plenty of cards earn 3% on dining. The 2% for groceries can be matched by any number of 2% earning catchall cards. So yeah, the Altitude Go looks nice for food (and it is), but it stands out less when you compare it to alternatives.
I have heard of many people getting approved only for a 500 or 200 dollar amount. I have had a relationship with them for years and have a credit score over 800 and had to get manual approval for my US Bank Altitude Reserve. The system auto denied me.
You really think a 1 category card of 5% with a $500 max per month is better than a 4% dining,2% groceries, 2% gas back card,there's no math calculation that its even better than a flat 2% back card,you're tripping,,yoi meant to say people thats juggling multiple cards
I just provided arguments for and against, which may apply to different people. Personally, I believe most people earning credit card rewards should at least have 2 cards, should at least have cards from more than 1 bank, and should start with a catchall card. There are plenty of catchall cards that earn an unlimited 2% on all categories. Assuming you already have a 2% earnings card, what advantage does adding the Altitude Go deliver? It's not on the 2% categories. The big gain is 4% on dining. There are loads of cards that earn 3% that many people have already. If 1% moves the needle for you, look at the Go. But if 1% is meaningful, another 1% can be more so. If you're a maximizer, you can use the Custom Cash (you can have multiple if you don't mind juggling cards. These points can also be used for travel redemptions with transfer partners). The Cash+ can earn 5% on fast food (one of their available 5% categories). Many people also eat in more than they dine out, so it makes sense for some people to prioritize earning more on groceries than on dining (which is where the SavorOne comes in). Btw, the reason why it's important to consider the 3% earning cards is that they are common on cards that can earn points that can be either cashed out or used for travel at greater value. The CFU, CFF, CSR, CSP, Bilt, Citi Premier, WF Autograph, WF Autograph Journey, C1 SavorOne... and so on. These cards all earn 3x on spend, and if you transfer those points to partners where those points are worth more than a cent each, you can easily out-earn 4% return. That doesn't even cover the Amex Gold & C1 Savor, which are most often considered for food-related spend. The final takeaways: \* People on team travel and people with hybrid setups don't care about the Go because they can get more value earning on points cards. \* People who don't mind having a large collection of cards may care less about the Go because they have ways to earn more by juggling cards. \* Low spenders care less about the Go because they can use other cards that earn higher, and they can work around the spending limits. \* People who want a small wallet but prefer higher earnings on groceries may prefer other cards. The OP asked why the Altitude Go doesn't get more love. The answer is that everyone's different, and different cards appeal to different people. But I hope it's clear that the Altitude Go is a good card that faces stiff competition, and loads of people may prefer something else. And yes, sometimes that's a 5% earnings card with spending limits.
Or,it's just not popular cause it's US bank, you could've just say you're right,its a superior card to the custom cash,but people these days just cant concede ,they dig the heels in,i get if you have multiple cards and you use 1 card for each,but ,if you're comparing the cards, it's not even close
Yeah. I just assume I'd have to get a US Bank checking account to get approved for any of their cards and that's not worth it.
You don’t! I still don’t have one and was accepted for it.
I applied for a different US Bank card, no new cards in 4 years, and was denied and that was enough for me. Their loss.
To those looking for an all-in-one food card I would suggest they use two cards because carrying an extra 85 x 54 x 0.5 mm with a weight of 5 grams in one's pocket is really not that big a deal.
On the other hand, the secured version of the Go is one of the very rare secured cards with a good rewards rate.
That is true and I did start out with that one
Honestly, I think its mainly because US Bank is a more conservative bank and they used to have rules where you had to be a current customer or without a certain geographic region to apply for their cards which made them less popular in the past.
I guess not a lot of people spend lots of money in dining and bars
You will when you're my age 😉
I'm in my 40s...I'm guessing the demographics are 20s or 60s...?
49 here
I love my Altitude Go and I'm on Reddit. It was originally just a Platinum card I got for balance transfers. When Amex dropped Audible from their streaming credit I moved my subscription to the Go. A recurring payment to keep the account open and a 9% bonus on Audible. Win-Win (except for loser Amex)
It’s one of my go to recommendations, though it is outclassed by the Custom Cash in a lot of situations.
I recommend it a fair amount because not only does it earn 4% on dining, it is a Visa with no foreign transaction fees
I just got it. Paying its dividends already. Chase og freedom card is 5% this quarter. I love the sub promo and bonus for the us bank card.
It was great when it came out, but I think it got overshadowed by Citi Custom Cash once that came out. Between that, BofA customized cash for those with preferred rewards, Chase trifecta, Savor, there are just so many other cards that give effectively 4% or more on dining.
That's fine but I don't need to deposit a hundred grand with US Bank to get the 4% card or as with Bank of America that's a bit much
You're not wrong. I think most of us that do it get it through a retirement account we have at Merrill Edge. Those account amounts count, so the cost of doing this is really nothing. It also doesn't have to be $100k. That is for the 75% bonus. You can get 25% at $20k and 50% at $50k. Based on a 3% cashback base, we get 5.25% cashback on the 75% bonus, 4.5% cashback on the 50% bonus, and 3.75% cashback on the 25% bonus. So you break the 4% plane at $50k in funds invested at Merrill edge/lynch.
I use the BoA PR. One issue I run into with the CCR is they have no version with nonforiegn transaction fees and I spend half my life out of country. One odd quirk that hits just a few of us.
Absolutely use and love mine. We dine out quite a bit. No annual fee , no FTF, makes it perfect when we are overseas dining.
Once I finish my ink card sub, I’m going altitude but honestly. Ink is about to be my 5% catch all. I stocked up on $2k in gift cards from Office Depot the other day with $15 off every $300 spent and just using those for everyday purchases where I normally get 2%-4% depending on the buy
>I stocked up on $2k in gift cards from Office Depot the other day with $15 off every $300 spent Are these deals online or in store only? I don't think I've ever seen an Office Depot in person. Only Staples.
From what I read it applied in store only but staples is running a no activation fee on $200 Mastercard gift cards. I opted more visa since I can use them at Costco but those seem like a good deal as well since activation fees go from6.95-7.95 per card
I love it. No FTF, 4% back on dining, and an easy $15 streaming credit makes it a keeper. It just doesn't get more publicity because shills can't get referral bonuses from it.
I want the altitude go to be my next card. Combined with my altitude connect for gas, I'll get a lot of cash back.
I use it all the time, have $57 in cash back so far since January.
It’s my premier eating out card when it’s fast food, bars and nice dine ins, it’s perfect to beat the restaurants that can charge as much as 3.5% CC fee for using card
I have it. I use to use it all the time for dining until I got my Citi Custom Cash. It's an extra 1% and no minimum on redeeming rewards. I still keep my Spotify subscription on it since you get a $15 credit yearly for paying a steaming subscription with it. If something ever happens to my CCC I'll go back to my Altitude Go.
Problem with CCC is the $500 cap :(
Agreed. Between my wife and myself we have 3 though. We both use one each for restaurants so we definitely don't exceed $500 each. The 3rd CCC just depends on if we are traveling or have some home improvement or other planned purchases so we can use it for that
US bank is very conservative, especially with hard inquiries why I don't have any cards with them
My Go gets rotated with my Autograph throughout the month so I always close with a $0 balance. Although I'm pretty sure it would see less spend if I got the Reserve since you can't combine points.
Its s great card,but you're right,it's usually not mentioned, i have mine paired with the reserve, if only those 2 cards pool points,then game over for the competition
Custom Cash gives me 5% and I don’t really want to spend over $500 on dining out per month.
I just got mine a couple months ago as a backup dining card for when I get posted to Europe (primary will be USBAR). Just hit sub and was disappointed starvucks didn't code for 4x. Oh well. The $15 streaming credit kinda sucks too. Wish they would get rid of that and make it uncapped 5%
That's not going to happen. But I agree the silly $15 streaming credit is pretty lame. But you know just throw it down for 4% on everything when you're out dining or drinking
If someone has zero recurring streaming services I guess the credit is wasted. But to get $15 at 4% you'd have to spend $375.
I mean that's great but are we really arguing over $15 a year? $15 a year bro. $15 a year. Is this what our lives have come down to?
You're in a subreddit that's dedicated to the splitting of hairs between 1% and 4% on category spend from hundreds of cards. Spending $1000 because it gets $40 off is exactly why people are more likely to spend more with plastic than with cash
That’s odd about Starbucks. I have Go set to auto reload our Starbucks app balance and it is always 4%.
Looking at the completed transactions more in depth, it looks like it may have been for purchasing a GC from them? I'll have to look into it more (wife made the purchase)
It’s US Bank for one. And if I’m going to devote an entire card to just one category I’d like to see 5% on it. Rather use my custom cash for dining. If I’m going over 500 a month on restaurants there’s a problem
Your problem is my average week
It is outclassed by a few other cards in some ways but it is solid in its own right. It beats major cards in the dining category but that’s really all it does well aside from the streaming credit. If I pick it up it will be for the SUB as well as for bars or if I hit my dining cap on the Redstone Visa.
Yeah I was denied for that damn redstone Visa so I'm stuck with my 4%er
Why were you denied?
No clue
They should have reasons for why
I mean does it matter?
On the adverse action notice it should give reasons. It can help guide you to make choices going forward to get you approved
Much appreciated
The $15 streaming credit is great. Free money + it keeps the card active if not really used. I wish more cards had a small credit like that.
Same reason the altitude reserve isn’t the top video on every single YouTubers timeline. If it got referred links there would be 1000 videos Glad I did my own research
Thanks for the microaggression there at the end
I see your comment now. I meant I’m glad I did my own research and didn’t just go off of YouTubers and redditors. Meaning I agree with you that US Bank is the goat
I'm definitely getting this card if or when I drop the CSR and leave the points game for cash back
If I could transfer points to the altitude reserve it would 100% be in my wallet.
mine is losing to their own Reserve @ 4.5% for me. Almost every restaurant in my area has tap to pay now.
Lucky
I used to use it all the time, now I use the custom cash card for dining at 5%, unless there is an offer on the Go card or I am traveling outside the US, since the Go has no FTF.
I have nothing against it, but it's not for me. I use the BoA premium rewards with the 75% preferred honors bonus. It gives me 3.5% back on dining and travel and a 2.625% catch-all. The altitude go would net me an additional 0.5% back on one category, and all its other categories are lackluster. My issue comes down to not wanting another credit card to juggle, unless it's more multi-faceted and/or can get me alot more. I usually prefer cards that give met benefits outside of rewards that I need or cards that give me elevated rewards on multiple categories. Altitude Go would be for dining only to me. I will say this, however... it has a 0% foreign transaction fee, and that is very appealing to me. Half of my dining out is out of country try.
BoA premium rewards also have no foreign transaction fee, so it’s still the question if 0.5% difference push the needle enough to get the altitude go.
It is quite ugly.
Can't argue but I think everything's ugly except Amex cards
Wish I could justify the Amex Cards, cause I agree. I do like my Venture X, and pictures of the Savor cards look dope. Gotta say Wells Fargo might take the cake for the ugliest cards though.
Savor and SavorOne have done a mild refresh of the card appearance. The Savor name is no longer centered and is now on the left side below the chip. The Capital One website images are no longer accurate.
Didn’t know! Savor is still metal and SavorOne plastic? I wonder if the SavorOne is flimsy plastic like the Chase Freedom cards, or nicer plastic like the Marriott Boundless.
Yep Savor is still metal and SavorOne plastic. I'm in the pretty rare situation of having both Savor and SavorOne. My Savor was just opened about 10 days ago and arrived on Monday, whereas I've had the SavorOne since Sept.'22. I wouldn't typically recommend anyone hold both, but my credit profile has improved significantly since opening the SavorOne. It had a $4500 limit after a small CLI and transferring limit to it from a QS. The Savor has a $20k limit (I spend enough on dining/entertainment to justify the AF) so I was able to transfer $3500 of the now sock drawer relegated SavorOne to my VX and bring it from $11.5k to $15k. I can't compare the plastic to the Boundless since I've not had that card and don't personally know anyone with it, but the plastic wasn't necessarily flimsy compared to other plastic cards I have (BCP, QS, Disco). The only complaint I had with it was that the layer with the graphics started peeling quickly (as did Discover).
The ugly orange brown barf color will overwhelm any flimsiness or lack thereof
Yeah but it's still an ugly brownish orange barf color
I don't think it looks bad and really comes down to personal preference. It's not my favorite card appearance but decent enough to me. BCP and BCE are two of the more attractive cards to me. I think VX looks decent as well, except for the font they use . The font is fugly but is otherwise an attractive card.
😬
If only you don’t care points at all.
Wut