U.S. Bank Business Altitude Connect
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earning Rates
Earning rates
4- 5xlodging
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)
- 4xgas
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)
- 2xdining
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')
- 1xeverything else
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')
Statement credits
5- $100Rideshare Statement CreditQuarterly
$25 statement credit after three consecutive monthly taxi or rideshare service purchases (e.g., Uber, Lyft, taxi). Three-month earning cycle resets after each credit.
- $750Welcome bonus value
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)
- Altitude Points redemption value
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
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
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)
Perks & memberships
7- Authorized usersAnnual 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')
- Points longevityPoints 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')
- Lounge accessPriority 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 feesNo 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)
- Authorized usersFree 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)
- Authorized usersEmployee 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')
- Authorized usersCentral 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)
Travel & purchase protections
5- 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)
- 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')
- 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)
More benefits & fine print (2)ShowHide
- 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)
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How to Earn the Bonus
Spend $6,000 in the first 6 months to earn the 75,000 bonus points bonus.
See the Current Offer
Earn 75,000 bonus points
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