U.S. Bank Altitude Connect Visa Signature Card

Earning Rates

Key Benefits

All Benefits

• Current public welcome offer: earn 20,000 bonus points after spending $1,000 or more in eligible net Purchases within the first 90 days of account opening, redeemable for $200 in travel through the Altitude Rewards Center or $200 as a deposit to an eligible U.S. Bank account at the 1 cent per point cap; please allow 1-2 billing cycles for the bonus to post (per U.S. Bank Altitude Connect product page footnote 1 and Upgraded Points Altitude Connect review)
• Existing or previous U.S. Bank Altitude Connect Visa Signature cardmembers are not eligible for the welcome bonus if they have received a new account bonus for this product in the last five years (per U.S. Bank Altitude Connect product page footnote 1)
• No annual fee on the current refreshed U.S. Bank Altitude Connect Visa Signature; the prior $95 (first year waived) annual fee structure that included primary CDW, cell phone protection, $30 streaming credit, and four-year Global Entry credit was retired when U.S. Bank refreshed this product in mid-2023 and the card no longer carries an annual fee on the current public apply page (per U.S. Bank Altitude Connect product page Enjoy no annual fee callout and Upgraded Points review confirming the current $0 annual fee)
• Earn 5X points (1 base + 4 bonus) per $1 on prepaid hotel and car rental reservations booked directly through the U.S. Bank Altitude Rewards Center Travel Center when paid with this card; these prepaid Travel Center bookings are not classified as a travel-category merchant transaction and so do not also earn the 4X travel bonus (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Earn 4X points (1 base + 3 bonus) per $1 on travel-category purchases made directly with airlines, hotels, car rental agencies, taxicabs, limousines, passenger trains, and cruise line companies; this earning is uncapped (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Earn 4X points (1 base + 3 bonus) per $1 at gas stations and EV charging stations on the first $1,000 in combined purchases each calendar quarter, then 1X thereafter; discount stores, supercenters, wholesale clubs, and grocery stores that sell fuel are excluded from the 4X gas/EV bonus and earn only 1X (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Earn 2X points (1 base + 1 bonus) per $1 at restaurants, fast-food restaurants, and bars; the dining bonus is uncapped (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Earn 2X points per $1 at grocery stores and supermarkets; wholesale clubs and discount stores/supercenters like Target and Walmart are excluded and earn only 1X point (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Earn 2X points per $1 on qualifying streaming subscription services per the U.S. Bank Altitude Connect Program Rules official list of streaming merchants (per U.S. Bank Altitude Connect product page footnote 2 and rewards.usbank.com Program Rules link)
• Earn 1X point per $1 on all other eligible net Purchases that don't fall into a bonus category (per U.S. Bank Altitude Connect product page footnote 2 earnings disclosure)
• Altitude Points redemption value is capped at 1 cent per point for redemptions into travel through the Altitude Rewards Center, a deposit to an eligible U.S. Bank account, statement credit, merchandise, gift cards, or charity, with the maximum 1 cent per point value applying specifically to U.S. Bank account deposits and travel; other redemption options can deliver lower per-point value (per U.S. Bank Altitude Connect product page footnote 9 maximum point value disclosure and Upgraded Points review noting Award redemptions are capped at 1 cent per point)
• 100% charity match: when you redeem points for a monetary charitable contribution through the Altitude Rewards Center, U.S. Bank will match your point redemption at 100% (per U.S. Bank Altitude Connect product page FAQ What rewards can I redeem with my points)
• No transfer partners: Altitude Connect points cannot be transferred to any airline or hotel loyalty program; this is a redemption-style program and all value is captured at the 1 cent per point cap through travel, deposit, gift card, merchandise, statement credit, or charity (per U.S. Bank Altitude Connect product page Choose from rewards options like a deposit, travel, merchandise, charity, gift cards list and Upgraded Points review confirming no transfer partners)
• Real-Time Rewards: after enrolling your Altitude Connect Card, make an eligible purchase and receive an SMS asking if you want to redeem points immediately for that purchase; reply REDEEM to apply enough points to cover the entire purchase as a statement credit on your monthly billing statement (per U.S. Bank Altitude Connect product page FAQ Is my Altitude Connect Card eligible for Real-Time Rewards)
• Points do not expire as long as your account remains active; however per the rewards disclosure points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles (per U.S. Bank Altitude Connect product page FAQ Do points expire and footnote 9 expiration language)
• Up to $100 statement credit toward the Global Entry application fee, or toward the TSA PreCheck application fee, once every four years when you pay the application fee with your Altitude Connect Card; statement credit posts within 1-2 billing cycles (per U.S. Bank Altitude Connect product page footnote 4 TSA PreCheck/Global Entry disclosure and Visa Signature Guide to Benefits TSA PreCheck or Global Entry Statement Credit section)
• Complimentary 12-month Priority Pass Select membership with 4 free annual lounge visits: enroll at prioritypass.com/usbankaltitudeconnect to receive a Priority Pass Select membership giving you and accompanying guests access to over 1,300 airport VIP lounges and Priority Pass experiences worldwide; the standard $99 membership fee is waived but each visit beyond your 4 complimentary visits per membership year is charged at the Priority Pass non-member rate (currently $35 per person per visit including guests) and authorized users are not eligible to enroll separately (per U.S. Bank Altitude Connect product page footnote 3, Altitude Connect Guide to Benefits Priority Pass Select section, and Upgraded Points review confirming 4 free Priority Pass visits per year)
• Complimentary GigSky global mobile data: register at gigsky.com/visa-usb-ac to receive complimentary GigSky eSIM data plans valid for travel in over 175 countries; Upgraded Points documents the offer as a 5 GB / 15-day data plan each month plus a 20% discount on additional GigSky plans, and U.S. Bank's disclosure confirms the GigSky benefit is redeemable through November 30, 2026 (per U.S. Bank Altitude Connect product page footnote 5 GigSky disclosure and Upgraded Points review GigSky 5 GB / 15-day language)
• Trip Cancellation and Trip Interruption insurance: up to $2,000 per Insured Person for non-refundable Common Carrier ticket costs charged to the card and/or rewards programs associated with the card if a covered trip is cancelled or interrupted due to the death, accidental bodily injury, disease, or physical illness of the cardholder or an Immediate Family Member, or default of the Common Carrier due to financial insolvency; the cardholder, spouse or domestic partner, and dependent children are covered when the entire trip is charged to the card (per Altitude Connect Guide to Benefits Trip Cancellation and Interruption section, payable up to $2,000.00)
• Trip Delay Reimbursement: up to $300 per purchased ticket in reasonable additional expenses (such as meals and lodging) when a Common Carrier covered trip purchased with the card is delayed more than 12 hours due to a Covered Hazard (equipment failure, inclement weather, strike, or hijacking/skyjacking); limited to one claim per Covered Trip, supplemental to any other carrier or primary insurance reimbursement (per Altitude Connect Guide to Benefits Trip Delay Reimbursement section, three hundred dollars per ticket)
• SmartDelay airport lounge access on delayed flights: register your eligible flight at altitudeconnect.smartdelay.com and if your covered flight is delayed beyond the SmartDelay qualifying window, you and registered companions receive complimentary airport lounge access at participating airports during the delay (per U.S. Bank Altitude Connect product page footnote 5 SmartDelay registration link altitudeconnect.smartdelay.com)
• Travel and Emergency Assistance Services: 24/7 coordination of medical, legal, and travel referral services while away from home, including medical referral assistance, legal referral assistance, emergency transportation assistance, emergency ticket replacement, and lost luggage locator service; cardholder pays for actual goods and services obtained (per Altitude Connect Guide to Benefits Travel and Emergency Assistance Services section)
• Visa Signature Concierge: complimentary 24/7 Visa Signature Concierge service at (800) 953-7392 (or +1-630-350-4551 collect from outside the U.S.) for help with tickets to sports and entertainment events, travel bookings, dinner reservations, gift sourcing, and more; cardholder is responsible for the cost of any purchases or arrangements made on their behalf (per Altitude Connect Guide to Benefits Visa Signature Concierge section and visasignatureconcierge.com)
• Visa Signature Luxury Hotel Collection: access to special on-property benefits at over 900 hand-selected luxury hotels worldwide when booked through the Visa Signature Luxury Hotel Collection, typically including automatic room upgrade upon arrival when available, complimentary in-room Wi-Fi, complimentary daily continental breakfast for two, a food or beverage credit at the hotel, and late checkout (per Altitude Connect Guide to Benefits Visa Signature Travel and Luxury Hotel Collection section)
• Roadside Dispatch: 24/7 pay-per-use roadside assistance dispatch in the United States and Canada (towing, jump start, tire change, lockout, fuel delivery, winching) at a pre-negotiated flat per-service price billed to you (no membership required) as a Visa Signature network benefit (per Altitude Connect Guide to Benefits Roadside Dispatch section)
• Emergency Card Replacement and Emergency Cash Disbursement: 24/7 worldwide service to quickly get a replacement Visa Signature card sent to you and/or arrange emergency cash at a convenient location (per Altitude Connect Guide to Benefits Presenting Your Visa Signature Perks and Benefits section)
• No foreign transaction fees on purchases made outside the United States or in a foreign currency, making the card useful for international travel and online purchases from foreign merchants (per U.S. Bank Altitude Connect product page No foreign transaction fees callout and Upgraded Points review)
• 0% introductory APR on purchases and on balance transfers made within 60 days of account opening for the first 15 billing cycles, after which a variable APR applies (currently 17.49% to 27.49% variable per Upgraded Points review); the 0% intro APR does not apply to cash advances and a balance transfer fee of 5% (minimum $5) applies to each transfer (per U.S. Bank Altitude Connect product page footnotes 6 and 7 and Upgraded Points review)
• U.S. Bank ExtendPay Plan: pay off eligible Purchase balances over time in fixed monthly installments with no interest, just a fixed monthly fee; new cardmembers receive a $0 ExtendPay fee offer on ExtendPay Plans opened in the first 60 days after account opening; eligible Purchases must be over $100, made within 60 days prior to enrollment, and less than the current Purchase balance, with the cardholder able to designate up to 50% of their credit line ($100 minimum) (per U.S. Bank Altitude Connect product page footnote 8 ExtendPay disclosure)
• Visa Signature card network designation, which provides the issuer-elected benefit suite documented in the Altitude Connect Guide to Benefits (Trip Cancellation and Interruption, Trip Delay Reimbursement, Travel and Emergency Assistance Services, Visa Signature Concierge, Priority Pass Select, Roadside Dispatch, TSA PreCheck/Global Entry credit, Luxury Hotel Collection, Emergency Card Replacement) without the typical Visa Infinite premium add-ons (per Altitude Connect Guide to Benefits cover page identifying this as a Visa Signature card)
• Cell phone protection: Not offered on the current refreshed Altitude Connect Visa Signature; the Altitude Connect Guide to Benefits dated 3/1/26 contains no cell phone protection section, and Upgraded Points's current review does not list cell phone protection among the card's benefits; this benefit existed on the prior $95-annual-fee version of the card but was removed when U.S. Bank refreshed the product to a $0 annual fee, so any blog post still referencing $600 per claim / 2 claims per year on the Altitude Connect is outdated (per Altitude Connect Guide to Benefits absence and Upgraded Points current review)
• Auto rental collision damage waiver: Not advertised as a card benefit on the current refreshed Altitude Connect; the Altitude Connect Guide to Benefits dated 3/1/26 contains no auto rental CDW section, and the prior $95-AF version's primary auto rental CDW was removed in the 2023 product refresh; cardholders should treat rental insurance as not provided by this card and either use a card that does provide CDW or buy the rental company's coverage (per Altitude Connect Guide to Benefits absence)
• Annual streaming statement credit: Not offered on the current refreshed Altitude Connect; the $30 streaming statement credit existed on the prior $95-AF version of the card but was removed in the 2023 refresh and is not surfaced on U.S. Bank's current product page or in the current Guide to Benefits (per U.S. Bank Altitude Connect product page disclosure list absence and current Guide to Benefits absence)
• Annual TSA PreCheck / Global Entry credit interval: the credit on this card is up to $100 once every FOUR years (not annual), as stated in the Visa Signature Guide to Benefits for this card (per Altitude Connect Guide to Benefits TSA PreCheck or Global Entry Statement Credit Receive up to $100 in statement credits towards your application fee once every four years language)
• Transfer partners to airline or hotel loyalty programs: Not offered (U.S. Bank Altitude Points earned on this card cannot be transferred to any airline or hotel partner; redemptions are limited to travel through the Altitude Rewards Center, U.S. Bank account deposit, statement credit, gift cards, merchandise, or charity, all at a 1 cent per point cap; the Altitude Connect is a fixed-value redemption product not a transferable-currency product per U.S. Bank Altitude Connect product page rewards FAQ and Upgraded Points review)
• Authorized users: U.S. Bank does not charge an authorized user fee on the Altitude Connect, and authorized users earn points and benefit from the Visa Signature card features when using the card; however, authorized users are not eligible to enroll in their own Priority Pass Select membership (Priority Pass enrollment is limited to one account cardholder including authorized users, meaning a single household enrollment) per the Altitude Connect Guide to Benefits Priority Pass Select section