U.S. Bank Altitude® Connect Visa Signature® Card
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The U.S. Bank Altitude® Connect Visa Signature® Card is a travel rewards card that offers rewards on gas, dining, and grocery stores as well. There is a welcome offer and as of September 9, 2024, there’s a $0 annual fee. Another valuable benefit is that you get four Priority Pass airport lounge visits every year–most cards offering airport lounge access have higher annual fees. One possible negative is that U.S. Bank is rumored to be a conservative lender. We dive into the details and your approval odds in this Altitude Connect review.
Our Rating
4.8/5.0
Welcome Offer
20,000 bonus points
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1x – 5x points
0% Intro on Balance Transfers
12 months
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in the first 90 days.
Editorial Review
How Does the Altitude Connect Compare?
The U.S. Bank Altitude® Connect Visa Signature® Card offers a high rewards rate for regular travelers and frequent flyers. The card allows holders to earn 2x – 5x in rewards in select categories. While it does come with an annual fee, the rewards can more than make up for that over time. This card also comes with an intro offer.
Who is the Altitude Connect best for?
The U.S. Bank Altitude® Connect Visa Signature® Card is a good option for frequent travelers who want a card that pays competitive rewards and effective September 9, 2024, the annual fee is $0.
Who would do better with a different card?
The Chase Sapphire Preferred® Card offers a better intro offer and possibly higher travel rewards if you book travel through Chase Travel(SM). Doing that makes your points worth 25% more, or you can transfer your points to Chase partners like Southwest and United to get rewards on flights.
Delta SkyMiles® Platinum American Express Card offers a similar intro offer, plus up to 3X miles on travel and 2X miles on dining and supermarkets, but it comes with a $350 annual fee.Travelers and others who spend a lot of money on eating out might like the American Express® Gold Card. You’ll earn 4X points at restaurants, 4X points at supermarkets, and $120 in Uber cash. There’s also an intro offer, but you’ll need to pay the $325 annual fee.
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Airport Lounge Access, Trip Delay Reimbursement, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 17.74% - 28.74% (V) APR |
Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 17.74% - 28.74%(V) APR after that. |
Balance Transfer Fee | 3% of each transfer amount, $5 minimum |
Insurance
Trip Delay Insurance
Anticipate delays when you purchase air travel with your Visa Signature card. With Trip Delay coverage you can receive up to $300 for reasonable expenses you incur when your trip is delayed for more than 12 hours.Trip Cancellation and Interruption Insurance
Prepare for the unexpected. When you purchase travel with your Visa Signature card, you’re covered for your non-refundable fare in case of Trip Interruption or Cancellation.Cell Phone Insurance
Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your card.
What Credit Score Is Required to Get the U.S. Bank Altitude® Connect Visa Signature® Card
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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 749
Average Approved Credit Score: 816
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/15/2024 | Experian | ||
Approved | 04/04/2023 | Not Provided | ||
Approved | 07/01/2024 | Equifax | ||
Approved | 07/01/2024 | Experian | ||
Approved | 07/01/2024 | TransUnion |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Annual fee
- Requires good credit
What Are the Best Alternatives?
Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
American Express® Gold Card
Rating
4.8
Rewards Range
1x-4x points
Annual Fee
$325