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U.S. Bank Altitude Connect Visa Signature

Travel Perks

Rewards Valure
star 4
Features
4
APR
3
Rewards Flexibility
4
Issuer Customer Experience
3

Rewards Rate

5x

on car rentals and hotels booked through the Altitude Rewards Center

4x

at gas stations and EV charging stations

4x

for travel

2x

for grocery delivery, grocery store shopping, dining, and streaming services

1x

on all other qualifying purchases

Welcome Bonus

Earn 50,000 bonus points (valued at $500) when you spend $2,000 in the first 120 days No annual fee for the first year

APR

or 21.24-29.24% Variable APR

Pro & Cons

  • pros icon Comes with several rewards and perks, such as cell phone protection and travel protection
  • pros icon Multiple ways of earning points
  • pros icon Welcome bonus offer
  • pros icon Streaming bonus rewards
  • cons icon $95 annual fee
  • cons icon Streaming bonus rewards may be glitchy
  • cons icon Potentially high variable APR

U.S. Bank Altitude Connect Visa Signature

The U.S. Bank Altitude Connect Visa Signature Credit Card is a credit card that comes with rewards points on things like gas, hotels, car rentals, groceries, entertainment, and streaming services. It’s designed for frequent travelers.

Travel

VentureOne Rewards

VentureOne Rewards
6
star star star star star

Good for:

Travel Perks

See your approvle odds
0%

introductory APR for 15 months on both balance transfers and purchases

0$

annual fee

20,000 (equal to $200)

welcome bonus miles to qualifying new members

Travel

Capital One Venture Rewards

Capital One Venture Rewards
6
star star star star star

Good for:

Travel Perks

See your approvle odds
2x

miles per dollar on every purchase

5x

miles per dollar on hotel and rental car purchases through Capital One Travel

2

free lounge visits each year

75,000

bonus miles after spending $4,000 on purchases within 3 months of opening an account

$100

credit for either TSA PreCheck or Global Entry

Rewards

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card
6
star star star star star

Good for:

Multiple rewards options

See your approvle odds
4x

points for dining, takeout, and restaurant delivery

2x

points for grocery store shopping, grocery delivery, gas stations, EV charging states, and streaming services

1x

point on every other eligible purchase

0%

introductory APR for 12 months

Rewards Redemption

You can redeem points through the Rewards Center, which is found in the online banking system. Or you can log into the mobile app, select your Altitude Connect account, and choose either “View my rewards” or “Redeem.” Alternatively, you can call 888-229-8864, the all-day Rewards Center.
Points never expire. To earn cash back, you'll need at least 2,500 points, however.

Terms, Rates and Fees

The U.S. Bank Altitude Connect Visa Signature Credit Card has a variable APR ranging from 21.24% to 29.24%, depending on overall creditworthiness and the current market and prime rate. Balance transfers have the same APR range. Cash advances have 29.99% APR. There is no penalty APR.

During the first year of opening the account, there is no annual fee. After that, cardholders are subject to a $95 annual fee.

Other fees include a 3% balance transfer fee, a 3% convenience check cash advance fee, and a 5% cash advance fee. There are no overdraft fees or foreign transaction fees. However, there is up to a 1.6% monthly fee for the U.S. Bank ExtendPay plan. There’s also a $41 late payment or returned payment fee.

There is no specified credit limit, though members with excellent credit may qualify for a higher limit. It may also be possible to request a higher limit some time after opening the account.

Overall, these fees and APR ranges are fairly standard for similar cards.

Maximize Benefits and Avoid Fees

  • Do not carry a balance. By paying off your balance, you won’t be hit with APR.
  • Spend $2,000 within 120 days. Part of this card’s first-year value includes spending this amount to receive 50,000 bonus points.
  • Be strategic about how you earn points. You can earn the most points by booking prepaid hotels and car rentals through Altitude Rewards Center, or by using this card to get gas. If, for example, you use the card on travel-related purchases and spend $1,500 each month, you could earn up to 90,000 yearly points for a total value of about $90. Gas points are worth slightly less than travel points, but can still add up quickly.
  • Take advance of the cell phone protection. As long as you pay for your cell phone with this card, you can receive a $600 reimbursement if your phone is damaged or stolen.

How to Apply

  • First, head to the U.S. Bank main page and select “Personal.”
  • Then, choose “Credit cards” and select “View credit cards.”
  • Scroll down until you find U.S. Bank Altitude Connect Visa Signature Card. Select “learn more” for additional information, or click “Apply Now” to start the application.
  • After hitting “Apply,” provide your SSN or ITIN and mobile number. You can then either press “Text me to start” or “I’ll enter my own info.”
  • If you select “I’ll enter my own info,” you’ll need to include your date of birth, address, monthly housing payment amount, and country of citizenship. Press save and continue with the application.
  • On the next page, it will ask for your total annual income and source of employment. Depending on your selection, you may also need to enter occupational details. If you select “Unemployed,” you’ll need to describe your most recent occupation.
  • Next, you’ll have the option of transferring a balance. If you decide to do this, you’ll need to give an estimate of how much to transfer.
  • Finally, review your information, make any changes, and complete the application. You could receive a decision in as little as 60 seconds.

Qualification Requirements

  • 18+ years old
  • US citizen or permanent resident
  • Valid SSN or ITIN
  • Good to excellent credit

Requirement

Description

Credit score & credit history

670+ credit score

Income

N/A

Job-status

N/A

Citizenship/residency

United States residents or citizen only

Age

18+ 

Required documents

N/A

What Makes This Card Appealing?

The biggest factor that makes this card appealing comes from the tiered rewards system and the welcome bonus. There’s also no annual fee for the first year. This, combined with various travel-related bonuses makes this a decent credit card for avid travelers.