Best in Class
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US Bank Business Altitude Connect Credit Card Review
Key Takeaways
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.
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.
Why This Card Could Be Right For You
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.
When The Usual Advice Doesn't Apply
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
What to Know About U.S. Bank FlexPerks
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.
How The US Bank Business Altitude Connect Credit Card Fits In The U.S. Bank FlexPerks Ecosystem
U.S. Bank offers three other business cards that compete with the Altitude Connect:
- 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.
- 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.
- 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.
Card Information
Bonus Points
60,000
Minimum Spend
$6,000 / 4mo
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1.0 ¢
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US Bank Business Altitude Connect Application Rules
Point Transfer Options
Ranking of Cards Offering U.S. Bank FlexPerks
Downgrade Options
US Bank Triple Cash Rewards Business
U.S. Bank FlexPerks