Tag Archives: FlexPoints

Success! Airbnb WORKS with US Bank FlexPerks Real-Time Rewards (Special Circumstance?)

Good morning everyone, I hope you had a great Memorial Day Weekend.  I had delicious clam chowder in Bodega Bay and then BBQ’d chicken and corn at home.  Last week, I got an email from Airbnb about paying for the second half of an upcoming Airbnb stay in Tahiti.  I don’t use Airbnb very often, but apparently you can split your Airbnb payments into 2 parts (pay half when you reserve your Airbnb and pay the other half a few weeks before you arrive at the Airbnb).  I had a stash of FlexPoints from my US Bank Altitude Reserve Credit Card and recently enrolled in Real-Time Rewards (for the 500 free FlexPoints).  I was hoping I could redeem my US Bank FlexPoints for 1.5 cents each with Real-Time Rewards to cover the Airbnb payment.  I clicked the Update Payment Details button at the bottom of the email and paid $804.69 with my US Bank Altitude Reserve Credit Card.

Continue reading

When Does the Annual Fee, Travel Credits, & Sign Up Bonus Post to the US Bank Altitude Reserve Credit Card?

Good morning everyone, I hope you had a great weekend.  Last Thursday, I got 2 emails from US Bank regarding my credit card statement and a travel credit that posted to my US Bank Altitude Reserve Credit Card.  I got this credit card in my March App-O-Rama and wrote about Unboxing my US Bank Altitude Reserve Visa Infinite Credit Card: Card Art, Brochure & Welcome Letter last month.  I’ve been hard at work meeting the $4,500 minimum spend requirement to get 50,000 US Bank FlexPoints and was hoping the sign up bonus would post on my first credit card statement.  In this post, I will show you when the annual fee posts, when your travel credits will post, and when the sign up bonus will post to your account.

Continue reading

Unboxing my US Bank Altitude Reserve Visa Infinite Credit Card: Card Art, Brochure & Welcome Letter

Good afternoon everyone.  I hope you enjoyed reading my post from this morning: My March Madness App-O-Rama Results: 3 out of 4 Credit Cards Approved.  In that post, I mentioned that I would be doing an unboxing of my new US Bank Altitude Reserve Visa Infinite Credit Card.  This credit card has a sign up bonus of 50,000 FlexPoints (worth $750 in flights) after spending $4,500 in 3 months.  This card has a $400 annual fee, but offers $325 in airline travel credits that mostly offset the annual fee.  There are a few other credit card perks that I will go over in this post.  But first, take a look at how beautiful this credit card is.  The card is a thick metal, similar to the Chase Sapphire Reserve Credit Card.  On the front of the credit card, it only shows your full name.  On the back, it has your full name again along with all the other credit card information.  Let me show you the rest of the items that came with this credit card.

Continue reading

My March Madness App-O-Rama Results: 3 out of 4 Credit Cards Approved

Good morning everyone, happy Friday!  As I mentioned in my post yesterday, I did a mini App-O-Rama (where I apply for several credit cards on the same day) on Monday.  I am still waiting for most of the credit cards to arrive in the mail, but I have all the results.  Here are the results of my March App-O-Rama (sorry there is nothing related to NCAA March Madness in this post):

  1. American Express Gold Card – instant approval (I wrote about the instant approval here)
  2. US Bank Altitude Reserve Visa Signature Credit Card – pending and then approved (I will have a post out later today with my unboxing photos)
  3. Wells Fargo Business Platinum Credit Card – pending and then approved
  4. Bank of America Alaska Airlines Business Credit Card – pending but will be denied since they want a lot of business and tax documents (I will explain more below)

Click the above link to see info on my American Express Gold Card instant approval.  Without further ado, let’s go through the 3 other credit card application results.

US Bank Altitude Reserve Visa Signature Credit Card

After my instant approval with the American Express Gold Card, I was feeling good and hoped my instant approval streak would continue (like the good ole days when I would go 6 for 6 on credit card App-O-Ramas).  But instead, I got a pending decision and decided to wait and see what would happen.

Continue reading

Keep, Cancel or Convert? US Bank FlexPerks Gold ($85 Annual Fee) & Wells Fargo Propel World Elite ($175 Annual Fee)

Good morning everyone, I hope you enjoyed reading about my credit card decisions surrounding keeping, closing, or converting my credit cards after the annual fees post.  Check out my thoughts on my Chase Sapphire Reserve and Chase Ink Plus Business credit cards; my American Express Hilton Ascend and SPG Business credit cards; my Bank of America Alaska Airlines Business and Citi AT&T Access More credit cards.  As a reminder, here are all the credit cards and their annual fees.  In today’s post, I am going to cover both the US Bank FlexPerks Gold American Express Credit Card and the Wells Fargo Propel World Elite American Express Credit Card.  Are they worth keeping, should I close them, or should I convert them to another credit card?

  • Chase Sapphire Reserve – $450 (posted 4/1)
  • Chase Ink Plus Business – $95 (posted 4/1)
  • American Express Hilton Ascend – $95 (posted 4/3)
  • American Express SPG Business – $95 (posted 4/6)
  • Bank of America Alaska Airlines Business – $75 (posted 4/2)
  • Citi AT&T Access More – $95 (posted 4/4)
  • US Bank FlexPerks Gold – $85 (posted 4/3)
  • Wells Fargo Propel World – $175 (posted 3/31)

US Bank FlexPerks Gold American Express Credit Card

The $85 annual fee just posted and I have seriously lost interest in FlexPoints over the years.  The death nail came on December 31, 2017, when FlexPoints changed to a fixed 1.5 cents per point (CPP) value for all travel redemptions.  This credit card earns 3x on airfare, 2x on gas, and 2x on restaurants.  I currently use my Chase Sapphire Reserve Credit Card for travel, restaurants, and gas since I get 3x Chase Ultimate Reward Points on those purchases.  I can also redeem Chase Ultimate Reward Points for travel at 1.5 CPP, so the Chase Sapphire Reserve Credit Card is as good or better in every way compared to the US Bank FlexPerks Gold American Express Credit Card.  I redeemed almost all of my FlexPoints before December 31, 2017, and have a few hundred FlexPoints leftover in my account.  Not to worry, I have a no annual fee US Bank FlexPerks Select+ American Express Credit Card that will keep my few hundred FlexPoints alive.

Decision: US Bank FlexPerks Gold American Express Credit Card will be converted to a no annual fee US Bank Cash 365 American Express Credit Card.  That card earns 1.5% cash back on all purchases, so it will never be used.

Continue reading