Good news is US Bank acknowledges the MLA exists, but the bad news is it only applies to accounts opened in the past 2 months!
Such bullshit! Any takers for the tasker of applying for the Altitude card and then requesting MLA protections within 60 days? Might be worth a try to get the $400 annual fee waived for the $325 travel credit that resets at each renewal month (12 months from when you got the card). You also get the Andrew Harper Magazine, GoGo inflight WiFi, 3x on Electronic Wallet transactions.
Despite the MLA denial, and paying the $400 annual fee I am still way ahead because of the 50k free points and the $325 credit. I am going to keep this one open for the 3x Apple Pay worth 4.5% cashback.