Credit Card Information

According to your LazyBonus plan, the best new credit card for you at this moment is the US Bank Altitude Reserve.

Welcome Bonus: 50,000 Bonus Points (worth $750 on travel) after you spend $4,500 within the first 3 months.

Annual Fee: $400.

This card provides different values depending on whether you choose to redeem your points on Cash-Back or Travel.

CASH-BACK

+ $500 WELCOME BONUS VALUE

+ $415 GUARANTEED BENEFITS

– $400 ANNUAL FEE

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= $515 CASH-BACK VALUE (11% in Cash-Back Value when you spend $4,500)

TRAVEL

+ $750 WELCOME BONUS

+ $460 GUARANTEED BENEFITS

– $400 ANNUAL FEE

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= $810 TRAVEL VALUE (18% in Travel Value when you spend $4,500)

If you take full advantage of all the card's benefits, your total Cash-Back or Travel value could be even higher.

Instructions

Fill out the application using the link here.
When you reach the Income section, remember that you can include any income source for which you have a reasonable expectation of access. This includes personal income, contributions from family or a partner, gifts, scholarships, and retirement distributions.
Submit your application.
If you are approved, congratulations! Your new card typically arrives in 7 to 10 business days.
Need it sooner? There's a way. Call US Bank customer service at (800) 285-8585 and inform them of your card approval. They will ask for the last 4 digits of the credit card, which you can find in the approval email you should have received. You can then request free expedited shipping, and your card will arrive in just 1 to 2 business days.

After you submit your application, you may see a message like: We have received your application, and we will inform you of our decision as soon as possible. In this case your application may be denied, but don't lose hope:

Call the US Bank reconsideration line at (800) 947-1444.
Follow the automated menu to connect with a customer agent (usually, pressing 0 is the quickest route).
Once you speak with an agent, explain that you applied for this credit card and ask if they need more information.
If they inform you that your application was declined due to a mistake on your application, request that they amend the application.
If you already have other Chase credit cards, you can suggest credit reallocation from those cards. This approach often increases your chances of approval.

IMPORTANT: We will not proceed with your LazyBonus plan until you confirm the outcome of this credit card application, using the dropdown below. This is essential to continue with your progress.

Please remember to always pay your credit card bills on time and refrain from spending beyond your means. LazyBonus can only provide suggestions. We are not responsible for the outcome of your credit card applications or anything related to your credit and financial profile.

Apply For New Credit Card

Instructions