- Intro offer:50,000 bonus points
- Annual fee:$0 introductory annual fee for the first 12 months, After that $95
- Regular APR:18.24% – 26.24% (Variable)
- Recommended credit score:740-850 (Excellent)
4X points on travel, gas stations, and EV charging stations. 2X points on streaming services. 2X points at grocery stores, grocery delivery, and dining. 1X point on all other eligible purchases.
- Rewards on travel and in everyday categories
- Good welcome offer
- Flexible redemption options
- Visa Signature benefits
- No foreign transaction fees
- High APR
- Rewards don’t transfer to airline or hotel partners
- $25 minimum required for cash back redemption
Additional Card Details
- $30 annual streaming credit eligible for annual subscriptions of Netflix, Hulu, Apple TV+, Spotify, Disney+ and more
- Up to $600 in cell phone protection
- Up to $100 credit toward Global Entry or TSA Precheck membership
- Visa Signature benefits such as concierge services and car rental privileges
U.S. Bank Altitude Connect Visa Signature Card Full Review
The U.S. Bank Altitude Connect Visa Signature Card is a flexible rewards credit card. With its highest rewards on travel purchases and a handful of travel benefits, this rewards card is geared toward travelers — but without airport lounge access, transfer partners, or sizable travel credits, it’s a mid-tier travel credit card at best.
There’s a $95 annual fee for this card, but it’s waived the first year.
You can earn 50,000 bonus points (worth $500) after you spend $2,000 on eligible purchases within 120 days of account opening. That’s equal to about $550 in spending per month to qualify for the bonus.
The U.S. Bank Altitude Connect Visa Signature Card has a few different rewards categories. With it, you’ll earn:
- 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center
- 4x points on other travel, gas stations and EV charging stations
- 2x points at grocery stores (including grocery delivery), dining, and streaming services
- 1x points on other purchases.
If you’re wondering what counts as “other travel”, U.S. Bank says this category includes purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies. And you can find a list of qualifying streaming services on U.S. Bank’s website.
The U.S. Bank Altitude Connect Visa Signature Card doesn’t charge an annual fee for the first year, but does have a $95 annual fee thereafter. There are no foreign transaction fees. You’ll pay a 3% balance transfer fee (minimum $5) if you transfer a balance, though this card has a high APR and no 0% intro offer, so it’s not a good balance transfer card option. Other fees include a late payment fee and returned payment fee, both of which can be up to $40.
The main benefits of this card include up to $100 credit toward Global Entry or TSA Precheck membership every four years, and a $30 annual credit for streaming subscriptions, including Netflix, Hulu, Apple TV+, Spotify, Disney+ and more.
Because this is a Visa Signature card, you’ll also get added benefits such as concierge services, access to the Luxury Hotel Collection, car rental privileges, and more. Plus, you’ll qualify for up to $600 in cell phone insurance when you pay your cell phone bill with your card each month.
Benefits of U.S. Bank Altitude Connect Visa Signature Card
There are a few reasons to consider the U.S. Bank Altitude Connect Visa Signature Card. Most compelling is its generous rewards on travel, groceries, dining, and more. Combined with the initial welcome offer worth $500 and waived first year annual fee, you can get a ton of value from this card if your regular spending falls within the rewards categories.
If you plan to sign up for TSA Precheck or Global Entry to get through airport security faster, you can pay with your U.S. Bank Altitude Connect Visa Signature Card and get up to $100 in credits toward either membership every four years.
What’s more, the rewards you earn are flexible, so you can redeem your points for merchandise, gift cards, cash back, travel and more based on your needs.
Drawbacks of U.S. Bank Altitude Connect Visa Signature Card
With all this being said, the U.S. Bank Altitude Connect Visa Signature Card isn’t the best rewards card for everyone.
Unlike other travel credit cards with similar fees, like the Chase Sapphire Preferred Card and the American Express® Gold Card, the U.S. Bank Altitude Connect Visa Signature Card doesn’t let you transfer your points to airline or hotel partners. Since this is often the best way to maximize your points, you may want to consider a card with a more robust rewards program for your travel spending.
Similarly, while this card does have some added protections and benefits thanks to its Visa Signature status, other travel rewards credit card options may have more benefits or annual credits to offset your travel purchases and the annual fee cost.
Also beware of some fine print regarding the $30 annual credit for streaming services. Specifically, cardholder terms and conditions state that “an automatic statement credit of $30 per 12-month period will be applied to your U.S. Bank Altitude Connect Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases.” This means you’ll have to pay for streaming services for 11 months before you’ll be eligible for the credit.
How to Use U.S. Bank Altitude Connect Visa Signature Card
To get the most out of the U.S. Bank Altitude Connect Visa Signature Card, you’ll want to make sure you use it for at least $2,000 in eligible purchases within 120 days of account opening so you can earn the 50,000-point welcome offer. From there, use it for all your purchases that fall within the bonus categories so you can rack up points over time.
Also make sure you charge any eligible streaming subscriptions to this card, so you can qualify for the annual $30 statement credit. And when it’s time to renew your TSA PreCheck/Global Entry membership, or you decide to enroll, use your card to get up to $100 back.
And as with any new card, remember to only charge purchases to your U.S. Bank Altitude Connect Visa Signature that you can afford to pay off each month. If you carry a balance, not only can you hurt your credit score, but accruing interest at this card’s high APR will cost you a lot more than you’re earning in rewards.
U.S. Bank Altitude Connect Visa Signature Card Compared to Other Cards
U.S. Bank Altitude® Connect Visa Signature® Card
Chase Sapphire Preferred® Card
- Intro offer:60,000 points
- Annual fee:$95
- Regular APR:18.24% – 25.24% Variable
- Recommended credit:670-850 (Good to Excellent)
- Apply Now At Chase’s secure site
Is the U.S. Bank Altitude Connect Visa Signature Card Right for You?
If you want a basic travel credit card that affords you some flexibility, the U.S. Bank Altitude Connect Visa Signature Card could be a good choice. But it’s not the best rewards credit card out there. You won’t be able to transfer your points to airline or hotel partners, and you won’t get a ton of travel perks other than a credit for TSA Precheck or Global Entry and bonus points on travel purchases.
Before you apply, compare the value you may get from this card with other travel credit cards, rewards credit cards, and even cash back credit cards available. For the same or lower annual fee, there may be other options better suited to your spending habits and rewards goals.
Frequently Asked Questions (FAQ)
Is the U.S. Bank Altitude Connect Visa Signature Card a metal credit card?
The U.S. Bank Altitude Connect Visa Signature Card is not a metal credit card.
What is the credit limit on the U.S. Bank Altitude Connect Visa Signature Card?
Your credit limit will vary based on the information in your application, but because the U.S. Bank Altitude Connect is a Visa Signature card, the minimum credit limit you’ll qualify for is $5,000.
What credit score do you need for the U.S. Bank Altitude Connect Visa Signature Card?
For the best chances of qualifying for this card, you’ll need a good credit score or better, which typically means a score of 670 or higher.