U.S. Bank Business Altitude Connect

Earning Rates

Key Benefits

All Benefits

• Welcome offer: one-time 75,000 bonus points awarded when eligible Net Purchases totaling $6,000 or more are made to the Account Owner's Card within 180 days of account opening (per U.S. Bank Business Altitude Connect product page New Credit Card Enrollment Bonus disclosure)
• Welcome bonus value: 75,000 Altitude Points are worth $750 at the 1 cent per point maximum redemption value, available toward travel through the Altitude Rewards Center, statement credit, deposit to an eligible U.S. Bank account, or gift cards (per U.S. Bank Business Altitude Connect product page rewards redemption disclosure and footnote 8 maximum point value)
• Annual fee structure: $0 introductory annual fee for the first year, then $95 per year thereafter; plus free employee cards (per U.S. Bank Business Altitude Connect product page rates and fees callout '$0 introductory annual fee for the first year and $95 per year thereafter. Plus, free employee cards')
• Earn 5X points (1 base + 4 additional) per $1 on prepaid car and hotel reservations purchased in the Altitude Rewards Center Travel Center using the Business Altitude Connect; these Travel Center prepaid bookings are classified separately from the 4X travel-merchant bonus (per U.S. Bank Business Altitude Connect product page footnote 2 earnings disclosure)
• Earn 4X points (1 base + 3 additional) per $1 on the first $150,000 spent during each account calendar year on combined eligible Net Purchases made directly with merchants classified as travel-provider category transactions (airlines, hotels, car rentals, taxicabs, limousines, passenger trains, and cruise line companies) and at merchants classified as gas stations or electric vehicle (EV) charging stations; wholesale clubs and discount stores/supercenters that sell fuel are excluded and earn 1X (per U.S. Bank Business Altitude Connect product page footnote 2 earnings disclosure)
• 4X category cap: after $150,000 in combined travel, gas, and EV charging purchases in a calendar year, the bonus rate drops to 1X for the remainder of the year and resets at the start of the next account calendar year (per U.S. Bank Business Altitude Connect product page footnote 2 'After $150,000 is spent on combined purchases during the calendar year in these categories, you will earn 1 Point')
• Earn 2X points per $1 on dining, takeout, restaurant delivery, and cell phone services; the 2X dining/cell phone bonus is uncapped (per U.S. Bank Business Altitude Connect product page rewards summary '2X points on dining, takeout, restaurant delivery and cell phone services')
• Earn 1X point per $1 on all other eligible Net Purchases that don't fall into a bonus category (per U.S. Bank Business Altitude Connect product page footnote 2 'You will earn 1 Point for every $1 spent in eligible Net Purchases')
• $25 rideshare statement credit: receive a $25 statement credit after three consecutive monthly taxi or rideshare service purchases (such as Uber, Lyft, or taxi services) paid for with the card; eligibility requires at least one rideshare/taxi purchase per month for three consecutive months, after which the credit is processed and the three-month earning cycle resets (per U.S. Bank Business Altitude Connect product page footnote 6 and BC-013 Rideshare service Statement Credit disclosure)
• Altitude Points redemption value: capped at 1 cent per point for travel through the Altitude Rewards Center, statement credit, deposit to an eligible U.S. Bank account, gift cards, and instant redemption via Real-Time Rewards; point values for merchandise, gift cards, and statement credit may vary and are disclosed at the time of redemption (per U.S. Bank Business Altitude Connect product page footnote 8 maximum point value disclosure)
• Redemption options: redeem Altitude Points toward merchandise, statement credit, deposit to a qualifying U.S. Bank account, gift cards, travel through the Altitude Rewards Center, or instantly with Real-Time Rewards; establishment or ownership of a U.S. Bank account is not required to redeem (per U.S. Bank Business Altitude Connect product page rewards summary and footnote 8)
• Real-Time Rewards: after enrolling the Business Altitude Connect Card, make an eligible purchase and receive an SMS asking if you want to redeem points immediately; reply to apply enough points to cover the entire purchase as a statement credit on your monthly billing statement (per U.S. Bank Business Altitude Connect product page Real-Time Rewards FAQ)
• Points do not expire as long as the account remains active and in good standing; points may be forfeited if the account is closed or becomes delinquent (per U.S. Bank Business Altitude Connect product page footnote 7 'Points do not expire as long as the account remains active')
• Transfer partners to airline or hotel loyalty programs: Not offered (U.S. Bank Altitude Points earned on the Business Altitude Connect cannot be transferred to any airline or hotel partner; redemptions are limited to the Altitude Rewards Center, U.S. Bank account deposit, statement credit, gift cards, merchandise, or Real-Time Rewards, all subject to the 1 cent per point cap, per U.S. Bank Business Altitude Connect product page rewards redemption list and The Points Guy review)
• Auto rental collision damage waiver: primary auto rental CDW is described on the product page ('peace of mind with auto rental collision damage waiver, lost luggage insurance and travel assistance services'); primary status applies on eligible business-purpose rentals when the entire rental is charged to the card and the rental company's CDW is declined, per the Visa Signature Business Guide to Benefits for this card; confirm primary vs secondary status in your current Guide to Benefits before relying on it for a specific rental
• Lost luggage insurance: coverage for checked and carry-on luggage that is lost or damaged by a Common Carrier when the fare is charged to the Business Altitude Connect; reimbursement amounts and per-bag/per-trip limits are specified in the Visa Signature Business Guide to Benefits (per U.S. Bank Business Altitude Connect product page 'lost luggage insurance and travel assistance services' callout)
• Travel and Emergency Assistance Services: 24/7 coordination of medical referral, legal referral, emergency transportation, emergency ticket replacement, and lost luggage locator services while away from home; cardholder pays for actual goods and services obtained (per U.S. Bank Business Altitude Connect product page 'travel assistance services' callout and Visa Signature Business Guide to Benefits)
• Priority Pass Digital airport lounge access: complimentary Priority Pass Digital annual membership with access to more than 1,600 VIP lounges worldwide, plus four complimentary lounge visits per membership year; visits beyond the four free visits are charged at the Priority Pass non-member rate (per U.S. Bank Business Altitude Connect product page footnote 4 Priority Pass Digital disclosure and 'access to over 1,600 airport lounges worldwide with your Priority Pass Digital membership, including four complimentary visits each membership year')
• No foreign transaction fees on purchases made outside the United States or in a foreign currency, making the card useful for international business travel and online purchases from foreign merchants (per U.S. Bank Business Altitude Connect product page 'No foreign transaction fees' callout)
• Visa Signature Business card network designation: provides the Visa Signature Business benefit suite (auto rental CDW, lost luggage insurance, travel and emergency assistance, Visa Signature Concierge, and Luxury Hotel Collection access) as documented in the Visa Signature Business Guide to Benefits for this card (per U.S. Bank Business Altitude Connect product page 'Visa Signature' branding and full card name 'U.S. Bank Business Altitude Connect Visa Signature Card')
• Free employee cards: U.S. Bank does not charge an annual fee for employee cards on the Business Altitude Connect, and purchases made on employee cards earn rewards at the same bonus tiers as the Account Owner's card; employee cards can be added or removed online and the Account Owner's credit is not affected by the employee's credit profile (per U.S. Bank Business Altitude Connect product page 'Plus, free employee cards' callout and Employee Cards FAQ)
• Employee card application: employees can be added during the initial application by providing identity information; U.S. Bank verifies employee identity for each card but does not run a credit check that affects the employee's credit (per U.S. Bank Business Altitude Connect product page Employee Cards FAQ 'we use this information to verify their identity, but it will not affect their credit')
• ExtendPay Plan: pay off eligible Purchase balances over time in fixed monthly installments with no interest charges, just a small fixed monthly fee; only Purchase balances are eligible (Advances, Balance Transfers, interest, and the Annual Fee do not qualify); eligible Purchases must have been made within 60 days prior to enrollment, and only the company's Authorized Officer can enroll (per U.S. Bank Business Altitude Connect product page ExtendPay Plan disclosure)
• ExtendPay Plan intro offer: new cardmembers receive a $0 ExtendPay fee offer on ExtendPay Plans opened in the first 60 days after account opening (per U.S. Bank Business Altitude Connect product page ExtendPay Plan intro disclosure)
• Central billing compatibility: if your company's card program is set up with central billing, the Authorized Officer can select ExtendPay-eligible Purchases when viewing the central billing account, which includes transactions made on employee cards (per U.S. Bank Business Altitude Connect product page ExtendPay Plan central billing disclosure)
• Cell phone protection: Not advertised on the current U.S. Bank Business Altitude Connect product page; cell phone protection is documented as a benefit on certain other U.S. Bank cards but is not surfaced in the Business Altitude Connect product page benefit list, so cardholders should treat cell phone protection as not provided and confirm in the current Visa Signature Business Guide to Benefits before relying on it
• Annual TSA PreCheck / Global Entry application fee credit: Not advertised on the current U.S. Bank Business Altitude Connect product page; the consumer Altitude Connect carries a $100 every-4-years Global Entry/TSA PreCheck credit, but the Business Altitude Connect product page does not list this credit among its benefits, so it should be treated as not offered on the business version unless verified in the current Visa Signature Business Guide to Benefits
• Welcome bonus eligibility: new account bonus is generally restricted to applicants who have not received a new account bonus for this product within a defined recent period; standard U.S. Bank business card bonus eligibility language applies per the application Terms and Conditions (per U.S. Bank Business Altitude Connect product page footnote 1 enrollment bonus disclosure and application terms)
• Net Purchases definition: rewards are earned only on Net Purchases (purchases minus credits and returns); transactions that do not earn rewards include Convenience Checks, Balance Transfers, Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets), interest charges and fees, credit insurance premiums, and transactions to fund prepaid card products, buy currency from the U.S. Mint, or buy cash-convertible items (per U.S. Bank Business Altitude Connect product page Net Purchases disclosure)