The Future of US Bank Cards + Citi Strata Lounge - Weekly Recap

[@RJFinancial]

The future is always profitable here - www.profitablecontent.com

[@stevenwoo2881]

Thanks for another great weekly recap. I just applied and was approved for the US Bank Altitude Reserve. Looking forward to the new Smartly Rewards card.

[@RJFinancial]

In under the gun, nicely done. I'll report back next Sunday on Smartly

[@thejokerspeaks]

With US Bank making moves, it is time to make Bank of America Great Again!

[@RJFinancial]

I didn’t move all my money to USB so I’d love BOA to try. Yet not hopeful

[@98gmill]

Great info RJ :)

[@Aidan_Au]

Thanks RJ. Could you please ask your trusted source if USBAR Altitude Reserve will have any negative changes? Thank you!! e.g. Lower multiplier or no more lounge access. I wish you all the best with the product change on Tuesday too

[@RJFinancial]

From what I understand the card will stay the same for existing cardholders. Appreciate it sir, I’ll report back next Sunday

[@Rowdyyy_rod]

Good video. Shout out to Matt Clausen for finding the citi lounge trademarks.

[@RJFinancial]

Another Wells Fargo man from what I understand. I yanked the link from the DoC comments section, nice to know who posted it

[@robertjarrell7276]

The changes are up on the US Bank website, Smartly card is up and the AR is gone! Called regarding a possible product change but their systems are not update internally yet, rep suggested I call back Wednesday.

[@RJFinancial]

Was told the same thing this morning myself. Fun times in the land of cash back

[@bencalebrod]

I already have a US Bank Altitude Connect so I'm planning to get another US Bank card soon (probably the Shopper card for the 6% back at Walmart) and product change it after a year to another Altitude Connect so I can replicate the Reserve's main benefit (8 Priority Pass visits including restaurants) for no annual fee. Of course there's a chance the Connect will nerf the Priority Pass soon but they seem to be fine offering it even after dropping the annual fee at least in the short term.

[@jeremymoore450]

RJ, I was affected by NFCU and that bank nonsense. They were charging me so much over draft fees that they would cause my account to go in the hole. Than they would charge me more fees. It was bad this was the worse CU to work with and they deserve all the fines that they are getting. I refuse to ever bank or have a credit card through them because of what they did to me. They are one of the ones that I had to file Bankruptcy on because they caused so much chaos for me. I hope I get something out of it. They were so bad in 2017. It really doesn’t surprise me.

[@RJFinancial]

Was surprising to see from a CU. Hope it gets sorted out, you should get something from it. Of course, how fast is the question

[@kevinmoore9524]

Happy Sunday

[@jimmyjames6492]

NFCU 😭😭😭 Thanks for the info + video!

[@michaelsyip]

I don't believe the USBAR is exclusive to US Bank customers. Didn't they drop that requirement sometime in 2022? Nonetheless, great video! Looking forward to see how the BofA and US Bank clash continues!

[@RJFinancial]

Probably so, I don't keep the slides as updated as I should. Much appreciated sir

[@TheZombaslaya]

Applied last week and got denied for the AR.... I wish they'd make it easier to get at a minimum if they're discontinuing it.

[@RJFinancial]

They are tough. Wonder how it'll be when folks show up with bags of cash in hand for smartly. BOA is pretty lenient for those who have a regular relationship (checking account) With them

[@jordanthomas7207]

I was going to get this later stage of credit cards but if us bank altitude reserve is going away I’m going to get it now. Personally I think it is worth for me due to only traveling once a year and can use it on hotels, airlines, or trains.

[@RJFinancial]

Good luck on that app sir

[@flubberghosted2472]

Whattupdoe, RJ. 😎😎😎💰💰💰 Citi fanboy here, hoping they get lounges.

[@RJFinancial]

It'll either be amazing or terrible in typical Citi fashion. No in-between with them

[@ctcristo]

do we know what qualifies as "US Bancorp Investments?" does it include self managed ETFs? I'm not interested in putting $250k in checking or savings earning nothing.

[@RJFinancial]

I'm doing an IRA for mine. I moved $100k from BOA to USB. So to answer, yes it all counts. You just have to have a savings account either way. I'll do a full vid this week on the easiest way to do it. Or the way that i'm doing it any way

[@curmudgeonextraordinaire1884]

Wonder when WF is going to enter the lounge space.

[@RJFinancial]

Well, they're so good at opening multiples of things...

[@caribdude8151]

🤣🤣🤣🤣🤣​@@RJFinancial

[@deputy1569]

RJ did Coastal pay out the $100?

[@RJFinancial]

Yes. They closed the account a week or so later

[@rwscruggs2]

I got a 10,000 point retention for not cancelling my Altitude Reserve last Friday.

[@RJFinancial]

Not bad, didn't know USB did retention offers. Nice work

[@ralphaguayo]

I wanted to get Usbank reserve but currently on bonus with united card

[@RJFinancial]

Well, worst case is you don’t hit the bonus but you still get the card before it’s gone. So if you wanted it then no harm. Besides, we can help with spend. Open a US Bank business checking for the promo + it has $3k in credit card funding

[@evangibson8020]

Based RJ

[@Lifeissorich.]

They're not allowing product changes maybe down the line though.

[@RJFinancial]

My sources tell me otherwise. Tho I have seen reps saying no PC via posts on reddit. My guess is it's somewhere in the middle. Have to make a few call attempts before you get someone who can/will do it. I'll report back next Sunday

[@newagain9964]

@@RJFinancialvery cool if PC. But with no sub, not worth getting card until I’m prepared to give USBank min $50k. I can’t see ever doing that. fees too high. And CS and IT is terrible.

[@newagain9964]

I don’t see any airport lounge battle. I see Amex and PP so far ahead it will take chase, cap1, etc too many yrs just to be somewhat catch up (they’ll quit b4 then). They would need to partner with airlines, but they ain’t giving up access up cheap or easy.

[@RJFinancial]

It seems the way to win would be getting more access to airline lounges vs opening their own. I think Amex wins more from sky club than centurions.

[@kimoc.4163]

Well Citi has Citigold lounges.. now Strata lounges? Seem they're missing an opportunity to cross market citigold and the strata cards.

[@RJFinancial]

Could be a rebrand I suppose. Would also water it down a bit if they brought gold perks to those holding cards.

[@tooeasy4217]

USBAR still on the website. We will see tomorrow morning 😂

[@RJFinancial]

Funny you should mention that. I just called to try and PC to Smartly. Looks doable but the banking holiday is sorta messing things up from what I was told. System refreshed and such. All that to say, it could be the Reserve is still listed. Or I coulda been flat wrong… either will make for a good show next Sunday

[@tooeasy4217]

@RJFinancial gotta get better sources 😂

[@DavoR7724]

Any new updates on Chase project Emerald? Private client card?

[@RJFinancial]

Haven't heard anything. My guess is sometime Q2 for meaningful rumors and maybe a launch

[@lopezzepol1]

You know I’m going hard RJ! The future of the US is looking bright w/ DJT 😍

[@RJFinancial]

lol enjoy it sir

[@lopezzepol1]

@ I’ll enjoy every bit of the next 4 years!

[@MrDmoney1984]

And after 4 years what’s your thought process then?.? 😂😂😂

[@lopezzepol1]

@@MrDmoney1984 DJT DESERVES more than 2 terms!

[@MrDmoney1984]

@@lopezzepol1why cause you don’t believe in rule of law

[@caribdude8151]

🥇

[@RJFinancial]

Spirit award this afternoon