U.S. Bank Business Altitude Connect Visa Signature Card overview
The U.S. Bank Business Altitude® Connect Visa Signature® Card is a solid choice for business owners interested in dipping their toes into premium benefits and high earning rates at a modest $0 introductory annual fee for the first year (then $95 thereafter). However, if you are looking for more perks, you may be better off with another option. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The U.S. Bank Business Altitude Connect is a solid travel rewards card since it provides bonus points on travel-related purchases, airport lounge privileges and statement credits for ride-hailing services.
The card earns points that can be redeemed for travel, deposits to a qualifying U.S. Bank account or gift cards, among other options. To increase applicants' chances of approval for this card, we recommend that they have a minimum credit score of 670.
Let's get into the details and see if this card could be a good option for your wallet.
U.S. Bank Business Altitude Connect pros and cons
| Pros | Cons |
|---|---|
| <ul> <li>Elevated earning rates in popular bonus categories, such as airfare, dining, gas and hotels</li> <li>Priority Pass airport lounge access (four complimentary visits per membership year)</li> <li>Statement credits for ride-hailing or taxi services</li> </ul> |
<ul> <li>$95 annual fee after the first year</li> </ul> |
U.S. Bank Business Altitude Connect welcome offer
New applicants for the U.S. Bank Business Altitude Connect can earn 60,000 bonus points after spending $6,000 on eligible purchases within the first 180 days from account opening.
This bonus provides good value for a card with no annual fee for the first year.
It is important to note that the card's redemption options are limited since you can't transfer to partners like its competitors.
Because of this, the best redemption you can get with this offer is at a fixed rate of 1 cent per point for travel, making the bonus worth $600.
Related: The best credit card welcome bonuses currently available
U.S. Bank Business Altitude Connect benefits
The U.S. Bank Business Altitude Connect provides a solid suite of benefits, especially considering its $0 introductory annual fee for the first year ($95 thereafter).
For one, business travelers receive a Priority Pass Digital annual membership to access more than 1,700 lounges and four complimentary visits each membership year. This is a great perk for frequent travelers who want a card with lounge access for a modest annual fee.
Cardholders on the go will also receive $25 in statement credits after making at least one ride-hailing-service purchase with a provider such as Uber or Lyft (or even a taxi service) on the card across three consecutive months.
The U.S. Bank Business Altitude Connect is an excellent card to take abroad since it doesn't charge foreign transaction fees.
Business owners also receive helpful financial tools like U.S. Bank Spend Management — a platform for monitoring and managing expenses — and access to a new cardmember $0 fee offer on ExtendPay Plans opened within the first 60 days of account opening.
Plus, cardholders who also hold the personal U.S. Bank Altitude® Connect Visa Signature® Card can transfer points between their business and personal cards to build up a combined balance more quickly.
The information for the U.S. Bank Altitude Connect has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best business credit cards with no foreign transaction fees
Earning points with the U.S. Bank Business Altitude Connect
The U.S. Bank Business Altitude Connect shines with its high earning rates across popular spending categories for business owners.
With this card, you'll earn:
- 5 points per dollar spent on car rentals and hotels booked directly in the Travel Center
- 4 points per dollar spent on travel, including airfare and hotels, on gas and at electric vehicle charging stations (excluding discount stores/supercenters and wholesale clubs) and at hotels on the first $150,000 in combined annual spend
- 2 points per dollar spent on cellphone services, dining, restaurant delivery and takeout
- 1 point per dollar spent on all other purchases
The U.S. Bank Business Altitude Connect covers a vast range of common purchases, especially for business owners who travel frequently.
The travel category includes multiple types of travel, as it earns bonus points on EV charging and gas in addition to airfare and hotels. The addition of a bonus category for cellphone services is also a nice touch.
Points earned on the U.S. Bank Business Altitude Connect don't expire as long as your account is active.
Related: How to pick a strategy for your small-business credit cards
Redeeming points with the U.S. Bank Business Altitude Connect
The points earned with the U.S. Bank Business Altitude Connect are easy to redeem, which could be seen as a positive or a negative, depending on how you like to book travel.
That's because these points aren't the flexible travel rewards you may have come to expect with other cards. Instead, you'll be able to redeem points earned with the U.S. Bank Altitude Connect at a fixed 1 cent per point rate for travel and 0.8 cents apiece for other redemptions, such as cash back, shopping at Amazon and PayPal, and those made through the Real-Time Rewards option.
These are simple options for beginners but could be seen as restrictive if you're trying to maximize your rewards.
For instance, TPG's October 2025 valuations deem Chase Ultimate Rewards points, which you can earn with a card like the Ink Business Preferred® Credit Card, as worth 2.05 cents apiece. So, 100,000 Ultimate Rewards points could be redeemed for up to $2,050 in travel, especially if you leverage transfer partners.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
However, since the U.S. Bank Business Altitude Connect provides a fixed-value redemption option, 100,000 points earned with this card are worth just $1,000 — no matter what. So, it's worth considering whether you want to maximize your rewards or if you prefer simple redemption options from a card.
Related: Why the best point redemptions are sometimes the most practical
Which cards compete with the U.S. Bank Business Altitude Connect?
As a travel-oriented business card, the U.S. Bank Business Altitude Connect has multiple competitors.
- If you want more flexible rewards: The Ink Business Preferred Credit Card earns flexible Chase points that can be transferred to multiple high-value partners, such as United Airlines and World of Hyatt, for lucrative redemptions. To learn more, read our full review of the Ink Business Preferred.
- If you want more perks: The Business Platinum Card® from American Express provides valuable statement credits and ultra-premium benefits to business travelers who prioritize luxury. To learn more, read our full review of the Amex Business Platinum.
- If you want simple earnings: The Capital One Spark Miles for Business earns a flat 2 miles per dollar spent on most purchases, making it an extra-simple option for business owners to earn bonus rewards on every expense they cover. To learn more, read our full review of the Spark Miles for Business.
For additional options, see our list of the best business cards.
Related: Chase Ink Business Preferred vs. Amex Business Platinum: Practicality vs. luxury
Is the U.S. Bank Business Altitude Connect worth it?
Business owners who want to earn bonus rewards on a diverse array of purchases would benefit from adding the U.S. Bank Business Altitude Connect to their wallet. The most important factors to consider are the card's redemption options. Frequent travelers may be better off with a card that earns more flexible rewards.
Related: Business cards vs. personal cards: Key differences
Bottom line
The U.S. Bank Business Altitude Connect provides solid perks, earning rates and decent redemption options for business owners who don't want to pay a high annual fee. Travelers who want to maximize their rewards capability may want to look elsewhere.
Award travel beginners and business owners who value simplicity are likely to get the most out of this card.
Apply here: U.S. Bank Business Altitude Connect Visa Signature Card
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
