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$95
Annual Fee
60,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
60,000
points
Spend $6,000 in the first 180 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Car Rentals Us Bank | 5X | Core | portal | None | |
| Hotels Us Bank | 5X | Core | portal | None | |
| Gas Stations | 4X | Core | any | $150,000/annual | |
| Travel | 4X | Core | any | $150,000/annual | |
| Dining | 2X | Core | any | None | |
| Telecom | 2X | Core | any | None |
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #59 of 119 |
We rank the U.S. Bank Business Altitude Connect lowest among their business cards. While it offers some value with a waived first-year annual fee and decent rewards, better options exist within more valuable rewards systems from other major banks.
Among the four U.S. Bank Business cards, we rank the U.S. Bank Business Altitude Connect lowest in terms of value. While no single card stands out significantly from the others, the U.S. Bank rewards system overall isn't our favorite. We generally don't recommend applying for any U.S. Bank card unless you're experienced with credit card rewards and are ineligible for cards from more popular systems like Chase, American Express, or Capital One.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$95
Annual Fee
60,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
60,000
points
Spend $6,000 in the first 180 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Car Rentals Us Bank | 5X | Core | portal | None | |
| Hotels Us Bank | 5X | Core | portal | None | |
| Gas Stations | 4X | Core | any | $150,000/annual | |
| Travel | 4X | Core | any | $150,000/annual | |
| Dining | 2X | Core | any | None | |
| Telecom | 2X | Core | any | None |
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #59 of 119 |
We rank the U.S. Bank Business Altitude Connect lowest among their business cards. While it offers some value with a waived first-year annual fee and decent rewards, better options exist within more valuable rewards systems from other major banks.
Among the four U.S. Bank Business cards, we rank the U.S. Bank Business Altitude Connect lowest in terms of value. While no single card stands out significantly from the others, the U.S. Bank rewards system overall isn't our favorite. We generally don't recommend applying for any U.S. Bank card unless you're experienced with credit card rewards and are ineligible for cards from more popular systems like Chase, American Express, or Capital One.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$95
Annual Fee
60,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
60,000
points
Spend $6,000 in the first 180 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Car Rentals Us Bank | 5X | Core | portal | None | |
| Hotels Us Bank | 5X | Core | portal | None | |
| Gas Stations | 4X | Core | any | $150,000/annual | |
| Travel | 4X | Core | any | $150,000/annual | |
| Dining | 2X | Core | any | None | |
| Telecom | 2X | Core | any | None |
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #59 of 119 |
We rank the U.S. Bank Business Altitude Connect lowest among their business cards. While it offers some value with a waived first-year annual fee and decent rewards, better options exist within more valuable rewards systems from other major banks.
Among the four U.S. Bank Business cards, we rank the U.S. Bank Business Altitude Connect lowest in terms of value. While no single card stands out significantly from the others, the U.S. Bank rewards system overall isn't our favorite. We generally don't recommend applying for any U.S. Bank card unless you're experienced with credit card rewards and are ineligible for cards from more popular systems like Chase, American Express, or Capital One.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
You can still gain value with this card, particularly since it has a decent sign-up bonus and waives its $95 annual fee for the first year. However, it offers the lowest sign-up bonus among U.S. Bank's four business cards, which is the primary reason for its last-place ranking.
The U.S. Bank Business Altitude Connect card offers points collection and benefits without counting against your Chase 5/24 status. The sign-up bonus is 60,000 points after spending $6,000 in purchases during the first 6 months.
Cardmembers earn:
- 4x points on travel (airfare, hotels, gas, and EV charging stations) on the first $150,000 in purchases annually
- 2x points on dining, takeout, restaurant delivery, and cell phone service
- 6x points on hotel and car rental
The $95 annual fee is waived for the first year. Additional perks include a Priority Pass Digital Annual Membership with 4 complimentary visits per membership year, and a $25 statement credit after 3 consecutive monthly taxi or rideshare transactions.
U.S. Bank doesn't have airline or hotel transfer partners, which significantly reduces the value of their rewards system. You can redeem rewards for travel through their portal, cash back, statement credits, gift cards, or instantly with Real-Time Rewards.
This card might not be good for you because:
- U.S. Bank doesn't have travel partners like other banks (such as Chase and American Express), so you can only redeem your points at 1 cent per point at best
**The U.S. Bank Loyalty System is a fixed-value travel program with limited upside.**
- Points redeem at 1 cent per point toward travel when booked through the U.S. Bank portal (for those cards that allow portal redemptions).
- U.S. Bank does not currently have transfer partners. They announced that the **U.S. Bank Altitude Reserve** will gain partners starting in December 2025, but none have been named yet. The card is also closed to new applicants as of November 2024.
- U.S. Bank points are fine for travelers who want a simple rebate toward flights, but the program is not ideal for anyone aiming to maximize travel value or leverage complex award bookings.
U.S. Bank offers three other business cards that compete with the Altitude Connect:
1. **U.S. Bank Business Leverage**: Also waives its $95 annual fee the first year and offers a higher welcome bonus of 75,000 points, but requires $7,500 in spending over 4 months (compared to $6,000 in 6 months with the Altitude Connect). The highest earning rate is 2x points on your top two spending categories. We rank this card highest among the four business cards, though not by a wide margin.
2. **U.S. Bank Business Altitude Power**: Has the highest annual fee at $195, which is not waived the first year. It offers a 75,000-point sign-up bonus but requires $10,000 in spending during the first 120 days. Key benefits include 2x points on all purchases with no limit, plus 2.5x points on up to $5,000 in mobile wallet purchases each quarter. You also earn 6x points on prepaid hotels and car rentals through their portal, but there are no other notable perks to justify the annual fee.
3. **U.S. Bank Triple Cash Rewards Business Visa**: A no-annual-fee business card offering $500 cash back after $4,500 in purchases during the first 6 months. It provides 3% cash back at gas stations, EV charging stations (on transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants. There's also 5% back on all prepaid hotel and car rentals through the U.S. Bank portal. Rewards can only be redeemed as cash back, statement credits, or with Real-Time Rewards, with no option to book travel through the portal using rewards from this card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$64.80
Annual Fee
-$95
Net Annual Value
-$30.20
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
You can still gain value with this card, particularly since it has a decent sign-up bonus and waives its $95 annual fee for the first year. However, it offers the lowest sign-up bonus among U.S. Bank's four business cards, which is the primary reason for its last-place ranking.
The U.S. Bank Business Altitude Connect card offers points collection and benefits without counting against your Chase 5/24 status. The sign-up bonus is 60,000 points after spending $6,000 in purchases during the first 6 months.
Cardmembers earn:
- 4x points on travel (airfare, hotels, gas, and EV charging stations) on the first $150,000 in purchases annually
- 2x points on dining, takeout, restaurant delivery, and cell phone service
- 6x points on hotel and car rental
The $95 annual fee is waived for the first year. Additional perks include a Priority Pass Digital Annual Membership with 4 complimentary visits per membership year, and a $25 statement credit after 3 consecutive monthly taxi or rideshare transactions.
U.S. Bank doesn't have airline or hotel transfer partners, which significantly reduces the value of their rewards system. You can redeem rewards for travel through their portal, cash back, statement credits, gift cards, or instantly with Real-Time Rewards.
This card might not be good for you because:
- U.S. Bank doesn't have travel partners like other banks (such as Chase and American Express), so you can only redeem your points at 1 cent per point at best
**The U.S. Bank Loyalty System is a fixed-value travel program with limited upside.**
- Points redeem at 1 cent per point toward travel when booked through the U.S. Bank portal (for those cards that allow portal redemptions).
- U.S. Bank does not currently have transfer partners. They announced that the **U.S. Bank Altitude Reserve** will gain partners starting in December 2025, but none have been named yet. The card is also closed to new applicants as of November 2024.
- U.S. Bank points are fine for travelers who want a simple rebate toward flights, but the program is not ideal for anyone aiming to maximize travel value or leverage complex award bookings.
U.S. Bank offers three other business cards that compete with the Altitude Connect:
1. **U.S. Bank Business Leverage**: Also waives its $95 annual fee the first year and offers a higher welcome bonus of 75,000 points, but requires $7,500 in spending over 4 months (compared to $6,000 in 6 months with the Altitude Connect). The highest earning rate is 2x points on your top two spending categories. We rank this card highest among the four business cards, though not by a wide margin.
2. **U.S. Bank Business Altitude Power**: Has the highest annual fee at $195, which is not waived the first year. It offers a 75,000-point sign-up bonus but requires $10,000 in spending during the first 120 days. Key benefits include 2x points on all purchases with no limit, plus 2.5x points on up to $5,000 in mobile wallet purchases each quarter. You also earn 6x points on prepaid hotels and car rentals through their portal, but there are no other notable perks to justify the annual fee.
3. **U.S. Bank Triple Cash Rewards Business Visa**: A no-annual-fee business card offering $500 cash back after $4,500 in purchases during the first 6 months. It provides 3% cash back at gas stations, EV charging stations (on transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants. There's also 5% back on all prepaid hotel and car rentals through the U.S. Bank portal. Rewards can only be redeemed as cash back, statement credits, or with Real-Time Rewards, with no option to book travel through the portal using rewards from this card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$64.80
Annual Fee
-$95
Net Annual Value
-$30.20
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
You can still gain value with this card, particularly since it has a decent sign-up bonus and waives its $95 annual fee for the first year. However, it offers the lowest sign-up bonus among U.S. Bank's four business cards, which is the primary reason for its last-place ranking.
The U.S. Bank Business Altitude Connect card offers points collection and benefits without counting against your Chase 5/24 status. The sign-up bonus is 60,000 points after spending $6,000 in purchases during the first 6 months.
Cardmembers earn:
- 4x points on travel (airfare, hotels, gas, and EV charging stations) on the first $150,000 in purchases annually
- 2x points on dining, takeout, restaurant delivery, and cell phone service
- 6x points on hotel and car rental
The $95 annual fee is waived for the first year. Additional perks include a Priority Pass Digital Annual Membership with 4 complimentary visits per membership year, and a $25 statement credit after 3 consecutive monthly taxi or rideshare transactions.
U.S. Bank doesn't have airline or hotel transfer partners, which significantly reduces the value of their rewards system. You can redeem rewards for travel through their portal, cash back, statement credits, gift cards, or instantly with Real-Time Rewards.
This card might not be good for you because:
- U.S. Bank doesn't have travel partners like other banks (such as Chase and American Express), so you can only redeem your points at 1 cent per point at best
**The U.S. Bank Loyalty System is a fixed-value travel program with limited upside.**
- Points redeem at 1 cent per point toward travel when booked through the U.S. Bank portal (for those cards that allow portal redemptions).
- U.S. Bank does not currently have transfer partners. They announced that the **U.S. Bank Altitude Reserve** will gain partners starting in December 2025, but none have been named yet. The card is also closed to new applicants as of November 2024.
- U.S. Bank points are fine for travelers who want a simple rebate toward flights, but the program is not ideal for anyone aiming to maximize travel value or leverage complex award bookings.
U.S. Bank offers three other business cards that compete with the Altitude Connect:
1. **U.S. Bank Business Leverage**: Also waives its $95 annual fee the first year and offers a higher welcome bonus of 75,000 points, but requires $7,500 in spending over 4 months (compared to $6,000 in 6 months with the Altitude Connect). The highest earning rate is 2x points on your top two spending categories. We rank this card highest among the four business cards, though not by a wide margin.
2. **U.S. Bank Business Altitude Power**: Has the highest annual fee at $195, which is not waived the first year. It offers a 75,000-point sign-up bonus but requires $10,000 in spending during the first 120 days. Key benefits include 2x points on all purchases with no limit, plus 2.5x points on up to $5,000 in mobile wallet purchases each quarter. You also earn 6x points on prepaid hotels and car rentals through their portal, but there are no other notable perks to justify the annual fee.
3. **U.S. Bank Triple Cash Rewards Business Visa**: A no-annual-fee business card offering $500 cash back after $4,500 in purchases during the first 6 months. It provides 3% cash back at gas stations, EV charging stations (on transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants. There's also 5% back on all prepaid hotel and car rentals through the U.S. Bank portal. Rewards can only be redeemed as cash back, statement credits, or with Real-Time Rewards, with no option to book travel through the portal using rewards from this card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$64.80
Annual Fee
-$95
Net Annual Value
-$30.20
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
