US Bank Real-Time Mobile Rewards. What works where?

US Bank’s Real-Time Mobile Rewards offer a way to book travel outside of US Bank’s limited travel portal and still get 1.5 cents per point value from your points.  Unfortunately, the details about what works where are sketchy.  For example, the terms state that real time mobile rewards work only with US merchants, but their examples of airlines that it works with includes several foreign airlines.

The purpose of this post is to keep a running tally of exactly what works where, in practice.  First a short Q & A:

Q & A

  • Q: Which credit cards do Real-Time Mobile Rewards work with and offer 1.5 cents value towards travel?
    AAltitude Reserve card Flexperks Visa card, Flexperks Business Visa card.  UPDATE: As of 3/1/20, Flexperks cards no longer get 1.5 cents value this way.
  • Q: How do I activate Real-Time Mobile Rewards?
    After logging into your US Bank account, browse here:
  • Q: What happens if I redeem rewards for a purchase and the purchase is later canceled or the actual charges end up being lower than the amount redeemed for?
    You will receive a statement credit.  For example, if you redeem 20,000 points for a $300 flight via Real-Time Mobile Rewards, and you cancel that flight purchase, the $300 will be applied to your account balance. You will not get the 20,000 points back.
  • Q: Which types of travel purchases are officially supported by Real-Time Mobile Rewards?
    US Bank lets users enable purchases withing the following categories, and offers examples, as follows:

    • Lodging: Four Seasons,Hyatt,Marriott,Starwood,Hilton,Disney Resorts,Best Western,Westin,Wyndham
    • Airline: United,American,British Airways,Emirates,JetBlue,Southwest,Delta,Sun Country
    • Other Travel: “Examples are unavailable for this category.”
    • Car Rental: Hertz,Budget,Alamo,Avis,National,Enterprise
  • Q: What are the minimum purchase amounts necessary to trigger Real-Time Mobile Rewards?
    With most categories, the minimum is set by the user’s preferences to as low as $10. The Hotels category has a fixed minimum of $150 (previously $500); and the Car Rental category has a fixed minimum of $150 (previously $250).
  • Q: Do you have to have enough points for an entire charge in order to redeem?A: Yes, you need to have enough points to cover the total amount of a purchase in order to redeem points towards for it. Partial redemptions are not allowed.
  • Q: What does US Bank mean by “Other Travel”?
    I don’t know. I hope that this post will help figure that out.

US Bank Real-Time Mobile Rewards. What works where?

Please comment below with your findings and we’ll update this chart with any meaningful new data. Thanks!

Airline Charges

  • Aegean: FAIL
  • AeroMexico booked via Expedia: SUCCESS
  • Aer Lingus seat assignment: FAIL
  • Aeroplan award ticket fees: FAIL
  • Aeroplan lap infant fee: FAIL
  • Air Europa ticket: FAIL
  • Air Europa purchased through Orbitz: SUCCESS
  • Air New Zealand ticket: FAIL
  • Air Tahiti Nui: SUCCESS
  • Alaska Airlines: SUCCESS
  • Alaska Airlines ticket for multiple passengers: PARTIAL SUCCESS (Each passenger charge separate, only works for one)
  • Alaska Airlines buy miles: FAIL
  • Alitalia ticket purchased through SUCCESS
  • Allegiant Air: SUCCESS
  • American Airlines purchase at airport: FAIL
  • American Airlines online purchase of upgrade while in Dominican Republic: FAIL
  • American Airlines $50 e-gift card: SUCCESS
  • American Airlines $149 e-gift card: SUCCESS
  • American Airlines award fee: SUCCESS
  • American Airlines award fees via phone: SUCCESS
  • Asiana award fees: SUCCESS
  • Avelo: FAIL
  • Avianca Lifemiles award fees: SUCCESS
  • Avianca Lifemiles buy miles: SUCCESS
  • Avianca ticket purchase: SUCCESS
  • British Airways award fees: SUCCESS
  • British Airways ticket booked with ExploreTrip: FAIL
  • Cathay Pacific award fees booked with Asia miles via phone: FAIL
  • Cathay Pacific award fees booked with Asia miles online: SUCCESS
  • Cathay Pacific extra bag fee: FAIL
  • Delta e-gift card purchased via desktop browser: SUCCESS (and again), but more recent FAIL
  • Delta ticket purchased through Expedia: SUCCESS
  • Delta ticket purchased directly: SUCCESS
  • Delta award fee ($11.20): SUCCESS
  • Delta fare difference Korea to US flight: SUCCESS
  • Delta ticket from China to US purchased at FAIL
  • Emirates online seat selection fee: SUCCESS
  • Etihad award fees: SUCCESS
  • French Bee: Flight from US to Europe SUCCESS
  • Iberia award fees from US to Spain: SUCCESS
  • Iceland Air checked bag fees: FAIL
  • KLM round-trip from US: SUCCESS
  • Korean Air award fees: SUCCESS
  • LATAM via FAIL
  • LOT Airlines: FAIL
  • Lufthansa flights within Europe: FAIL
  • Lufthansa change fee processed in NY: SUCCESS
  • Hawaiian Airlines inter-island flight tickets: SUCCESS
  • Maya Air tickets purchased directly: SUCCESS
  • Norwegian Air: SUCCESS
  • Primera Air ticket purchased directly: FAIL
  • SAS Airlines ticket purchased directly: SUCCESS
  • Southwest Airlines ticket purchase: SUCCESS
  • Southwest Airlines gift card: SUCCESS
  • Southwest Airlines award fees: SUCCESS
  • Spirit Airlines ticket and $9 fare club: SUCCESS
  • TAP Portugal booked via Orbitz: SUCCESS
  • United award fees: SUCCESS
  • United Award Europe to US: FAIL
  • United baggage fees (via United app): SUCCESS
  • United flight booked through Orbitz: SUCCESS
  • United flight booked at SUCCESS
  • United award fees: SUCCESS
  • United TravelBank: SUCCESS
  • Uzbekistan Airways ticket: FAIL
  • Vietnam Airlines ticket: FAIL
  • Virgin Atlantic seat upgrade: SUCCESS
  • Virgin Atlantic Award Fee (flight originating in US): SUCCESS
  • Virgin Atlantic ticket for flight departing from UK: FAIL
  • Vueling ticket purchased directly: FAIL
  • Vueling ticket purchased through Orbitz: FAIL
  • Wizzair: FAIL

Hotel & Lodging

  • Agoda $150.37 hotel transaction: FAIL
  • Airbnb: FAIL, FAIL, FAIL
  • AVANI hotel in Africa. FAIL
  • for UAE hotel: SUCCESS
  • Campgrounds and RV Parks: FAIL
  • Fairmont hotel in Canada: FAIL
  • Hotel booked through FAIL
  • Hyatt in Jordan: FAIL
  • Loews reservation deposit: SUCCESS
  • Sheraton in US: SUCCESS with initial hold charge

Car Rental

Car Services


  • Carnival Cruise: SUCCESS
  • Carnival Cruise gift card bought from Carnival: SUCCESS
  • MSC Cruise: SUCCESS
  • Norwegian Cruise: SUCCESS
  • Royal Caribbean, both over the phone and onboard: SUCCESS

Other Travel

  • Amtrak: SUCCESS
  • Daily Getaways: FAIL
  • Eurostar train tickets: FAIL
  • FasTrak: FAIL
  • Iryo train ticket in Spain: FAIL
  • New Jersey Transit Purchases ticket purchase: FAIL (only received 1 cent per point)
  • Reserve America: FAIL
  • Swiss Travel Pass (train tickets): FAIL
  • Washington DC Metro: FAIL


  • Buy retail gift card via United MileageX App: FAIL
  • Uber Eats:  FAIL (it used to work. workaround is to pay for Uber Cash in the Uber app)
  • Tour payment for G Adventures: FAIL
  • TripAdvisor activity: FAIL

Real-Time Mobile Rewards Terms & Conditions

The following terms were found here (must be logged in to access): Click “Terms and Conditions” then click “Program Rules” near the bottom of the Terms & Conditions page.

Real-Time Rewards

With Real-Time Rewards, you may instantly redeem Points for your credit card Purchases via text messaging. The Points redemption comes in the form of a credit to your monthly billing statement. Points will be deducted from your Points balance and a credit for the Purchase amount will be applied to your Account billing statement when you request redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal your final Purchase amount. Auto bill pay transactions will be part of Real-Time Rewards text messages if the Purchase falls within your preference selections. Real-Time Rewards text messages are available only for transactions with U.S. merchants. You may sign up for Real-Time Rewards using your 10-digit U.S. mobile number. Only one mobile number may be used per credit card account. After you complete a brief enrollment profile, you need to confirm your enrollment within 24 hours by replying ‘YES’ to a confirmation message that Real-Time Rewards will send you. If any changes are made to your Account that will affect the card number, account ownership or your rewards program, you will need to re-enroll in Real-Time Rewards. Message and data rates may apply. The short code REDEEM (733336) is used by Real-Time Rewards to send redemption requests. Message frequency is based upon the preferences you select and the Purchases you make on your Account. Text ‘HELP’ to REDEEM (733336) for Help. Text ‘STOP’ to REDEEM (733336) to cancel your participation in Real-Time Rewards. All cancellations completed via text message will remove that mobile number from all accounts registered for Real-Time Rewards. Please visit for a full listing of the Mobile Terms and Conditions. For inquiries, to sign up to receive text alerts, to update your preferences or to cancel your enrollment, please visit the Rewards Center online or call the Rewards Center.

You will not receive Real-Time Rewards text messages until you confirm your enrollment and preferences. You will receive a Real-Time Rewards request text message if your credit card Purchase falls within the criteria you have set up in your Real-Time Rewards preferences. Merchants who accept Visa cards are assigned a merchant code based on the kinds of products and services they sell. U.S. Bank does not control how Purchases are processed by merchants or the merchant codes they use; therefore, U.S. Bank cannot guarantee that a specific transaction will qualify. Your Account must remain in good standing in order to redeem. You may redeem by replying ‘REDEEM’ within 24 hours of when the message was sent. You may only redeem the most recent Real-Time Rewards text message. Upon confirmation of a redemption request, Points will be deducted from your Points balance immediately, and a credit to your statement will be processed within three business days and will appear on your next billing statement. The Account statement credit for a Real-Time Rewards redemption will reduce the Account balance, but will not count toward the minimum payment due. All redemptions are final. If you return the item or service that you redeemed Points for to the merchant, the Points will not be reinstated, but you may receive a monetary credit to your credit card account (in accordance with the merchant’s return policy).

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Thanks for keeping this list.

Fail. Did not trigger when booking 2-passenger round-trip flights originating from U.S. via


Virgin Voyages does not work (coded as a travel agency)

Ricardo T

Hertz car rental did not trigger. Got a push to app that transaction was declined. Quizzically, amount posted a few days later. No RTR text.

Dugroz Reports

Another Air B&B failure. Did not trigger.

Thanh Nguyen

3x travel for buying checked bag on Avianca

Brian L.

ITA Airways ATH-FCO: fail


Porter Airlines one way Canada to USA triggered


VRBO booking triggered RTR (couldn’t redeem because of mistake below)

Turn off all text notifications for the USBAR card, use email only. RTR only works when it’s the most recent text, and any other text-based notifications will typically post concurrently, and nullify the ability to redeem. I have to cancel and rebook my reservation, lesson learned.


Thanks for this info! Have you tried AirBnB recently? Does it still fail? Thanks

Feels so ridiculous that AirBnB doesn’t qualify!


No, AirBnB tends to be a huge hassle for me. I’m new to the platform, and tried booking with several hosts for an upcoming trip in Türkiye, and they either don’t confirm in a timely fashion, or cancel arbitrarily. VRBO is much more reliable.


How can I switch from text to email notifications? I tried looking for the option but couldn’t find it. Thank you!


Online payment for Celebrity Cruise triggered successfully.


Just redeemed for seat selection on EVA AIRWAYS.


WV State Parks lodging triggered RTR


E-ZPass Virginia failed. Also doesn’t count as travel.


Asiana ticket successfully triggered. However with multiple charges, only the latest 1 can be redeemed… So dumb


Does anyone know if you get 1.5x on the new business Altitude Power card when using RTR?


Negative for Flair Airlines in USD (Canadian airline) booked online directly
Positive for $19.00 American Airlines Award fees