US Bank Business Altitude Connect Credit Card

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.

How The US Bank Business Altitude Connect Credit Card Fits In The US Bank Flex Perks Ecosystem

U.S. Bank offers three other business cards that compete with the Altitude Connect:

1. U.S. Bank Business Leverage: Also waives its $0 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 Visa: A no-annual-fee business card offering $750 cash back after $6,000 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.