At the start of April we linked to a report that the U.S. Bank Altitude Reserve card was having issues with mobile transactions not earning 3x points. U.S. Bank has reached out to cardholders stating that they are working to fix the error. It looks like you can immediately fix the error by removing your card and readding it.
Same
Thanks!
My “rewards adjustment” amount was significantly off of my spreadsheet calculations; I called in and they said they’ll get back to me in 3-4 weeks.
You guys should try it and I hope I am not alone. I deleted and added back the card to Google Pay and Google Wallet. Tested several charges:
When you go to the Rewards and Benefits section where it showed the reward balance, it still showed that Google Pay transactions were 1x earning rate while Mobile/Tap to pay finally got 3x earning rate. So, something is still wrong with Google (Mobile) Pay. The issue is only partially fixed. Am I the only person having this issue?
Interesting side note with the Reserve, I booked a hotel through the travel portal and it only earned 1x points. If my understanding is correct, this should have triggered the 5x multiplier. I have an open ticket with their service department, but there’s potentially a broken link on earning rates there as well
They typically give 1x up front and the rest at the end of the month.
I quickly read US Bank to fix attitude problem
I wonder when will BoA fix their Internet bill not earning 3% problem
Please remove your card and add it back to ApplePay is equivalent to the standard IT response of reboot your device 🙂
Yes. Because the init function is only called the first time and usually unit tests only cover the first time. It has technical meanings.
But once in production why screw over?
As an iOS developer, you’re not making sense. What do unit tests have to do with anything here? Unit tests are ran on dev machines, not on people’s iPhones. As for the init, there is zero percent chance US Bank is doing any initializing work other than maybe confirming the card is valid. Even then I assume Visa/Mastercard do all this work. Apple is handling all the logic here when adding a card to apple pay. And whenever apple pay is used, Apple sends back a response to US Bank with all the transaction information. It’s US Banks job to correctly categorize the transaction.
https://developer.apple.com/documentation/passkit_apple_pay_and_wallet/apple_pay/payment_token_format_reference
Which ironically solves most of the IT problems, lol.
Its the question they always ask after. “Is your software up to date?”
Seeing Altitude Reserve in the headline made me skip a beat. I live in fear that US Bank will wake up and nerf this card.
If you are carrying interest on this card, I thank you for your service.
seriously haha
Didn’t like the email subject at all “Important update about your Altitude Reserve Card Mobile Wallet reward earnings”
Mobile wallet rewards absolutely has to be on the chopping block- if it’s hard to administer and a good chunk of people realize this means limitless 4.5% on tons of typically no bonused stuff like gas, Costco, nearly all expensive retail purchases, dental work, car repairs whatever it’s over.
If they nerf it, they might as well discontinue the card
I wouldn’t see a reason to keep it, but I think someone not well-versed in the card space could be tempted enough with a big signup bonus and 3x travel
Honestly this card could still be a keeper even if the mobile wallet 3x got axed. It’s the lowest AF card that still offers unlimited PP access and car rental coverage and top tier travel incidental coverages. I’d still keep it, although I really hope US Bank doesn’t see my comment.
I think PP is limited to 8 visits now
Aren’t BofA PRE or C1 Ventue X better options, if that would happen?
>car rental coverage and top tier travel incidental coverage
I mean what’s the real value of those?
I say that as someone who flies all time and has never had a situation where I could file a claim, and were I actually in a situation where I could file a claim I’d really be doing all sorts of roundabout and slightly devious things to create meaningful expenses out of the hope they’d be covered, like buying a top-tier electric toothbrush (and pretending my toothbrush wasn’t in my carry on bag).
What’s it really worth, $50?
This card is tied as my #1 alongside the Shop Your Way Mastercard. It’s a $75 effective annual fee card and offers benefits that outweigh the cost. Additionally, every year I call after the AF posts and get a retention offer that matches or exceeds the effective annual fee. This year I got 10k points (worth $150 for travel) as a retention offer. Phone call took less than 3 minutes.
I would then cancel all my accounts with them. 🙂 The only time I use another card when a mobile wallet payment opportunity presents itself, is when the Chase Freedom has the 5% in that Q for that category; e.g. grocery stores
I mean that’s nice but I think that’s probably a net gain for US Bank then and not going to deter them.
Plus all the people who don’t know what a “mobile wallet” is or just don’t use it. When out and about where I live, I don’t see too many people using their phones to pay. Most just take out the card and pay.
I assume they see it as a loss leader to bring in customers for other products. Also they don’t pay as big a sub and don’t dole out referral bonuses (which is why so few of the sites are willing to promote it). However, their 1.5c cost of payout per point is more than the banks pay for airline points and I’m guessing they don’t sit unused in accounts the way that transferrable points do.
Not to mention loss leader for other spend on the same card. Lots of people are probably getting 3x on $500/mo of mobile wallet, but 1x on $2000 of swipes at American restaurants and online transactions.
Particularly if they’re redeeming for 1¢/point.