Tag Archives: FlexPoints

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.

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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.

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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.

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March App-O-Rama: Which 7 Credit Cards am I Considering?

Good morning everyone, happy Saturday! Thanks for the comments on yesterday’s post regarding which non-5/24 Chase credit cards I should get. I think I have narrowed down my App-O-Rama (AOR) credit card list to these 7 credit cards. I plan on applying for these credit cards sometime next week. Please let me know if you agree or disagree with any of the credit cards on this list. If there are any credit cards that you think are worth applying for, please share them in the comments and I will check them out.

Based on yesterday’s post, I will apply for these 2 Chase credit cards:

  • Chase Marriott Business Credit Card: This is the only non-5/24 Chase business credit card and who couldn’t use more Marriott points? The current sign up bonus is 75,000 Marriott points after spending $3,000 in 3 months. The $99 annual fee is waived the first year. I already have the Chase Marriott Rewards Credit Card, so the annual category 1-5 Marriott free night certificates will pair nicely with each other. I don’t plan on spending much on this credit card after meeting the minimum spend requirement. As long as I can redeem the Marriott free night certificate for more than an $99 hotel night, this is a decent credit card to hold on to for a long time. *snarky comment alert* If Marriott keeps devaluing their program, by the year 2029, there will not be any Marriott category 1-5 hotels left…
  • Chase Iberia Credit Card: Since you can get 1 personal and 1 business credit card from Chase on the same day, I have decided to go for this personal credit card. The current sign up bonus is 50,000 Avios after spending $3,000 in 3 months and an additional 25,000 Avios after spending $10,000 in 12 months. The annual fee is $95. I don’t plan on booking any Iberia flights in the near future, so I won’t be able to take advantage of the 10% discount on Iberia flights. I don’t plan on spending much on this credit card after meeting the minimum spend requirement and will close the credit card when the annual fee comes due the following year.

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(Reposted 12/29: 724 FlexPoints Left) Take a Point, Leave a Point! Share your Leftover FlexPoints to Help Other Travel Hackers

Updated 12/29 at 7am PT: I still have 724 FlexPoints ready to give to readers.  If you need a few extra FlexPoints to book an award ticket by 12/31, please read this post and leave a comment below. Thank you.


Good afternoon everyone.  As you probably know, beginning on January 1, 2018, FlexPoints will be worth a fixed 1.5 cents per point (CPP) down from their current value of up to 2.0 CPP.  This is definitely a big blow to the US Bank FlexPerks Rewards program.  I’ve been a long time fan of the US Bank FlexPerks Rewards program and first got into the program when US Bank ran their 2014 Winter Olympics promo with an increased sign up bonus for their US Bank FlexPerks Travel Rewards Visa Signature Credit Card.  Since then, I’ve earned and redeemed 200,000+ FlexPoints over the last 3+ years.

Since I can get 1.5 CPP value with my new Chase Sapphire Reserve Credit Card and Chase Ultimate Reward Points are so much easier to rack up than US Bank FlexPoints, I have decided to liquidate my FlexPoints stash.  It is a sad day and an end to an era, but all good things must come to an end.  But there is good news!  I have decided to share my 4,793 leftover FlexPoints with my readers.

If you need between 1 and 4,793 FlexPoints to book a travel redemption (at the 20,000 or 30,000 FlexPoint threshold), please leave a comment with the number of FlexPoints you need.  After a few days, I will email each commenter, starting with the smallest FlexPoint request and ask for your FlexPerks account number.  I will then transfer the number of FlexPoints you need.  This is my small gift to my readers.

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