U.S. Bank Business Altitude Connect World Elite Mastercard®

The U.S. Bank Business Altitude Connect World Elite Mastercard® is a business travel card for frequent fliers and road warriors. This card has a nice welcome bonus and great ongoing rewards, but what makes it stand out is the Priority Pass Digital membership, which gets you four complimentary airport lounge visits a year. We can’t think of any credit card that offers lounge access for such a low annual fee: $0 for the first year, $95 per year thereafter. You also get a $25 ride-share credit each month (terms apply). There is a spending cap on the 4x points category for travel, gas, and EV charging stations, but it’s a robust $150,000 a year. We dive into the details and your approval odds in this U.S. Bank Business Altitude Connect review.

U.S. Bank Business Altitude Connect

Our Rating

4.5/5.0

Welcome Offer

60,000 points

Annual Fee

$0 for the first year, $95 per year thereafter

0% on Purchases

N/a

Reward Rate

1x to 5x points

0% on Balance Transfers

N/a

Welcome Offer

Earn 60,000 points if you spend $6,000 in the first 180 days.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection

Rewards

1x points
On all other eligible purchases
Earn 1x point on all other purchases
2x points
Cell phone service
Earn 2x points on cell phone service
2x points
Dining
Earn 2x points on dining, takeout and restaurant delivery
4x points
Travel
Earn 4x on travel, including airfare and hotels
4x points
Gas
Earn 4x on gas and EV charging stations
5x points
Hotels
Earn 5x points on hotels when booked directly through the Rewards Center
5x points
Rental Cars
Earn 5x points on car rentals when booked directly through the Rewards Center

Interest Rates & Fees

Annual Fee$0 for the first year, $95 per year thereafter
Foreign Transaction FeeNone
Regular APR20.24% - 28.24% (V) APR

What Credit Score Is Required to Get the U.S. Bank Business Altitude Connect World Elite Mastercard®

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/18/2023
779
TransUnion
$14,000
Approved06/12/2023
802
TransUnion
$18,700

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Four airport lounge visits
  • Up to 5x points
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

Capital One Venture X Business
Capital One Venture X Business

Rating

4.9

Rewards Range

2x - 10x miles

Annual Fee

$395

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