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$195
Annual Fee
75,000
points · Welcome Bonus
2.5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
75,000
points
Spend $10,000 in the first 120 months
Benefits & Perks
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.
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 |
$195
Annual Fee
75,000
points · Welcome Bonus
2.5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
75,000
points
Spend $10,000 in the first 120 months
Benefits & Perks
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.
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 |
$195
Annual Fee
75,000
points · Welcome Bonus
2.5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
U.S. Bank Altitude points
Credit Required
Excellent
Welcome Offer
75,000
points
Spend $10,000 in the first 120 months
Benefits & Perks
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.
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 |
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.
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.
The U.S. Bank Business Altitude Power card fails to deliver value beyond its welcome bonus. With a steep annual fee and limited rewards potential in a system lacking transfer partners, better business card options exist, even within U.S. Bank's own lineup.
The U.S. Bank Business Altitude Power card offers a substantial welcome bonus but delivers limited ongoing value for its $195 annual fee. While it's a business card that won't count against your 5/24 status, U.S. Bank's other options provide better long-term value. The U.S. Bank rewards system ranks below competitors primarily because it lacks transfer partners, which typically maximize redemption value. For those experienced with credit card rewards who are specifically seeking a U.S. Bank business card, the Business Leverage card generally presents a more compelling option with similar benefits and a lower, first-year-waived annual fee.
The U.S. Bank Business Altitude Power card offers several compelling features that might make it worthwhile for certain business owners:
- **Strong Welcome Bonus**: Earn 75,000 points after spending $10,000 in the first 120 days
- **Solid Earning Structure**: Get 2x points on all purchases with no spending caps, making it easy to accumulate rewards without tracking categories
Beyond the straightforward earning on everyday purchases, the card provides enhanced earning opportunities in select categories:
- **Mobile Wallet Bonus**: Earn 2.5x points on up to $5,000 in mobile wallet purchases, rewarding convenient payment methods
- **Travel Booking Bonus**: Receive 6x points when booking hotels or car rentals through the U.S. Bank Rewards Center
While the card carries a $195 annual fee, it can be valuable for business owners who primarily want a straightforward rewards card that won't affect their 5/24 status with Chase. The card allows redemptions through the U.S. Bank travel portal — a feature not available on all U.S. Bank cards. You can also redeem your rewards as cash back, statement credits, gift cards, or use their convenient Real-Time Rewards function for instant redemptions.
However, keep in mind that without transfer partners, your redemption value will be capped at 1 cent per point, which limits the overall potential value compared to cards with transferable points.
Situations where this card might not be right for you:
- U.S. Bank offers no transfer partners to maximize point value, limiting you to 1 cent per point redemption
- The high annual fee doesn't include premium perks like lounge access or statement credits found on similarly priced cards
**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 several business cards that compete with the Altitude Power, each with distinct features and benefits. When comparing these options:
- **The Leverage card** offers the same welcome bonus as the Altitude Power (75,000 points) and also provides 2x points, but only on purchases in your top two spending categories. Its $95 annual fee is waived the first year, making it our top recommendation among U.S. Bank business cards.
- **The Altitude Connect Business card** features a lower sign-up bonus of 60,000 points after spending $6,000 in the first 180 days, but compensates with stronger category multipliers if you're willing to track your spending more carefully.
The Connect card's earning structure includes:
- 5x points on prepaid hotels and car rentals through the portal
- 4x points on travel, gas, and EV charging stations (excluding discount stores/supercenters and wholesale clubs) on the first $150,000 in combined annual spend
- 2x points on dining, takeout, restaurant delivery, and cell service providers
Like the Leverage card, the Connect's $95 annual fee is waived for the first year.
- **The Triple Cash Rewards Business Visa** takes a different approach as a cash rewards business card. It offers a substantial $500 cash back sign-up bonus after spending $4,500 in the first 6 months.
Its reward structure includes:
- 3% cash back at gas stations, EV charging stations (transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants
- 5% back on all prepaid hotel and car rentals through the portal
- $100 credit for recurring software subscription expenses (like FreshBooks or Quickbooks)
- No annual fee
One limitation of the Triple Cash Rewards Visa is that you cannot redeem points through the travel portal, restricting you to cash back redemptions only.
When evaluating these options against the Altitude Power, consider your spending patterns, redemption preferences, and whether the higher annual fee of the Altitude Power delivers enough additional value for your specific business needs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$195
Net Annual Value
-$190.20
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.
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.
The U.S. Bank Business Altitude Power card fails to deliver value beyond its welcome bonus. With a steep annual fee and limited rewards potential in a system lacking transfer partners, better business card options exist, even within U.S. Bank's own lineup.
The U.S. Bank Business Altitude Power card offers a substantial welcome bonus but delivers limited ongoing value for its $195 annual fee. While it's a business card that won't count against your 5/24 status, U.S. Bank's other options provide better long-term value. The U.S. Bank rewards system ranks below competitors primarily because it lacks transfer partners, which typically maximize redemption value. For those experienced with credit card rewards who are specifically seeking a U.S. Bank business card, the Business Leverage card generally presents a more compelling option with similar benefits and a lower, first-year-waived annual fee.
The U.S. Bank Business Altitude Power card offers several compelling features that might make it worthwhile for certain business owners:
- **Strong Welcome Bonus**: Earn 75,000 points after spending $10,000 in the first 120 days
- **Solid Earning Structure**: Get 2x points on all purchases with no spending caps, making it easy to accumulate rewards without tracking categories
Beyond the straightforward earning on everyday purchases, the card provides enhanced earning opportunities in select categories:
- **Mobile Wallet Bonus**: Earn 2.5x points on up to $5,000 in mobile wallet purchases, rewarding convenient payment methods
- **Travel Booking Bonus**: Receive 6x points when booking hotels or car rentals through the U.S. Bank Rewards Center
While the card carries a $195 annual fee, it can be valuable for business owners who primarily want a straightforward rewards card that won't affect their 5/24 status with Chase. The card allows redemptions through the U.S. Bank travel portal — a feature not available on all U.S. Bank cards. You can also redeem your rewards as cash back, statement credits, gift cards, or use their convenient Real-Time Rewards function for instant redemptions.
However, keep in mind that without transfer partners, your redemption value will be capped at 1 cent per point, which limits the overall potential value compared to cards with transferable points.
Situations where this card might not be right for you:
- U.S. Bank offers no transfer partners to maximize point value, limiting you to 1 cent per point redemption
- The high annual fee doesn't include premium perks like lounge access or statement credits found on similarly priced cards
**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 several business cards that compete with the Altitude Power, each with distinct features and benefits. When comparing these options:
- **The Leverage card** offers the same welcome bonus as the Altitude Power (75,000 points) and also provides 2x points, but only on purchases in your top two spending categories. Its $95 annual fee is waived the first year, making it our top recommendation among U.S. Bank business cards.
- **The Altitude Connect Business card** features a lower sign-up bonus of 60,000 points after spending $6,000 in the first 180 days, but compensates with stronger category multipliers if you're willing to track your spending more carefully.
The Connect card's earning structure includes:
- 5x points on prepaid hotels and car rentals through the portal
- 4x points on travel, gas, and EV charging stations (excluding discount stores/supercenters and wholesale clubs) on the first $150,000 in combined annual spend
- 2x points on dining, takeout, restaurant delivery, and cell service providers
Like the Leverage card, the Connect's $95 annual fee is waived for the first year.
- **The Triple Cash Rewards Business Visa** takes a different approach as a cash rewards business card. It offers a substantial $500 cash back sign-up bonus after spending $4,500 in the first 6 months.
Its reward structure includes:
- 3% cash back at gas stations, EV charging stations (transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants
- 5% back on all prepaid hotel and car rentals through the portal
- $100 credit for recurring software subscription expenses (like FreshBooks or Quickbooks)
- No annual fee
One limitation of the Triple Cash Rewards Visa is that you cannot redeem points through the travel portal, restricting you to cash back redemptions only.
When evaluating these options against the Altitude Power, consider your spending patterns, redemption preferences, and whether the higher annual fee of the Altitude Power delivers enough additional value for your specific business needs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$195
Net Annual Value
-$190.20
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.
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.
The U.S. Bank Business Altitude Power card fails to deliver value beyond its welcome bonus. With a steep annual fee and limited rewards potential in a system lacking transfer partners, better business card options exist, even within U.S. Bank's own lineup.
The U.S. Bank Business Altitude Power card offers a substantial welcome bonus but delivers limited ongoing value for its $195 annual fee. While it's a business card that won't count against your 5/24 status, U.S. Bank's other options provide better long-term value. The U.S. Bank rewards system ranks below competitors primarily because it lacks transfer partners, which typically maximize redemption value. For those experienced with credit card rewards who are specifically seeking a U.S. Bank business card, the Business Leverage card generally presents a more compelling option with similar benefits and a lower, first-year-waived annual fee.
The U.S. Bank Business Altitude Power card offers several compelling features that might make it worthwhile for certain business owners:
- **Strong Welcome Bonus**: Earn 75,000 points after spending $10,000 in the first 120 days
- **Solid Earning Structure**: Get 2x points on all purchases with no spending caps, making it easy to accumulate rewards without tracking categories
Beyond the straightforward earning on everyday purchases, the card provides enhanced earning opportunities in select categories:
- **Mobile Wallet Bonus**: Earn 2.5x points on up to $5,000 in mobile wallet purchases, rewarding convenient payment methods
- **Travel Booking Bonus**: Receive 6x points when booking hotels or car rentals through the U.S. Bank Rewards Center
While the card carries a $195 annual fee, it can be valuable for business owners who primarily want a straightforward rewards card that won't affect their 5/24 status with Chase. The card allows redemptions through the U.S. Bank travel portal — a feature not available on all U.S. Bank cards. You can also redeem your rewards as cash back, statement credits, gift cards, or use their convenient Real-Time Rewards function for instant redemptions.
However, keep in mind that without transfer partners, your redemption value will be capped at 1 cent per point, which limits the overall potential value compared to cards with transferable points.
Situations where this card might not be right for you:
- U.S. Bank offers no transfer partners to maximize point value, limiting you to 1 cent per point redemption
- The high annual fee doesn't include premium perks like lounge access or statement credits found on similarly priced cards
**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 several business cards that compete with the Altitude Power, each with distinct features and benefits. When comparing these options:
- **The Leverage card** offers the same welcome bonus as the Altitude Power (75,000 points) and also provides 2x points, but only on purchases in your top two spending categories. Its $95 annual fee is waived the first year, making it our top recommendation among U.S. Bank business cards.
- **The Altitude Connect Business card** features a lower sign-up bonus of 60,000 points after spending $6,000 in the first 180 days, but compensates with stronger category multipliers if you're willing to track your spending more carefully.
The Connect card's earning structure includes:
- 5x points on prepaid hotels and car rentals through the portal
- 4x points on travel, gas, and EV charging stations (excluding discount stores/supercenters and wholesale clubs) on the first $150,000 in combined annual spend
- 2x points on dining, takeout, restaurant delivery, and cell service providers
Like the Leverage card, the Connect's $95 annual fee is waived for the first year.
- **The Triple Cash Rewards Business Visa** takes a different approach as a cash rewards business card. It offers a substantial $500 cash back sign-up bonus after spending $4,500 in the first 6 months.
Its reward structure includes:
- 3% cash back at gas stations, EV charging stations (transactions up to $200, excluding discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers, and restaurants
- 5% back on all prepaid hotel and car rentals through the portal
- $100 credit for recurring software subscription expenses (like FreshBooks or Quickbooks)
- No annual fee
One limitation of the Triple Cash Rewards Visa is that you cannot redeem points through the travel portal, restricting you to cash back redemptions only.
When evaluating these options against the Altitude Power, consider your spending patterns, redemption preferences, and whether the higher annual fee of the Altitude Power delivers enough additional value for your specific business needs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$195
Net Annual Value
-$190.20
