U.S. Bank Business Altitude Power Visa Signature Card

Earning Rates

Key Benefits

All Benefits

• 2X Altitude points per dollar on every purchase with no caps or category restrictions — a true flat-2X business workhorse
• 2.5X Altitude points per dollar on combined mobile wallet (Apple Pay, Google Pay, Samsung Pay) and virtual card purchases on up to $5,000 per quarter (~$20,000 per year), then 2X thereafter on those payment methods
• 6X Altitude points per dollar on prepaid hotels and car rentals booked directly in the U.S. Bank Altitude Rewards Center (cash redemption value 1¢/point — ~6% back when paying with points or earning on those bookings)
• Welcome offer: 75,000 Altitude points (~$750) after $10,000 in eligible purchases within 120 days of account opening
• $195 annual fee, not waived the first year (high for a 2X-flat business card; the math works if you spend ~$20K+/year and capture the welcome bonus, or if you use the included $25 quarterly rideshare credit and Priority Pass actively)
• Quarterly rideshare statement credit: after 3 consecutive monthly qualifying taxi or rideshare purchases on the card, receive a $25 statement credit (potential ~$100/year in rideshare value)
• Complimentary Priority Pass Digital annual membership — gives the primary cardholder digital (app-based) lounge access at 1,700+ airports worldwide; note this is the digital tier, not the physical card, and lounge visits are typically paid per visit or bundled per the digital tier's terms — verify current Priority Pass Digital structure with U.S. Bank
• No foreign transaction fees on purchases made outside the United States
• Real-Time Mobile Rewards: redeem Altitude points at the point of sale for eligible purchases through the U.S. Bank Mobile App or via SMS alert immediately after a qualifying transaction posts
• ExtendPay Plans: split eligible purchases of $100+ into fixed monthly installments with no interest, only a fixed monthly fee — $0 fee on new ExtendPay Plans for the first 60 days of card membership
• Points transfer at 1:1 between U.S. Bank Altitude business cards and personal Altitude cards within the same ownership (lets you pool a household / sole prop into a single redemption account)
• Points do not expire as long as the account remains open
• U.S. Bank Spend Management: dashboards, employee spend controls, virtual cards, accounting software integrations
• Add Employee Cards at no additional annual fee; employee spend earns the same multipliers and posts to the master account
• Visa Signature Business benefits including travel and emergency assistance, roadside dispatch, lost luggage reimbursement, baggage delay insurance, and travel accident insurance — verify current Visa benefit guide as Visa periodically reduces these
• Cell phone protection: pay the monthly cell phone bill with the card to receive coverage against damage / theft (verify per-claim cap and deductible in current benefit guide; common U.S. Bank business benefit)
• Best-use case for business spend that doesn't fit Ink Business Preferred (3X up to $150K travel/online ads/etc.) or Amex Business Gold (4X top-2 categories): the Altitude Power's flat 2X on truly everything with no cap closes the gaps Chase and Amex leave behind, and the $750 welcome bonus + $25/qtr rideshare + Priority Pass roughly offset the $195 AF in year 1
• Not Offered: no transferable points to airline / hotel partners — Altitude points are fixed-value at 1¢ for cash, 1.5¢ on Real-Time Rewards specific to merchants (varies), or via the Rewards Center; this is not an Amex MR / Chase UR transferable currency
• Not Offered: no annual travel statement credit (the higher-tier consumer Altitude Reserve had a $325 travel credit before being discontinued to new applicants; Business Altitude Power does not carry an equivalent annual travel credit)
• Not Offered: no Global Entry / TSA PreCheck application fee credit
• Not Offered: no airline / hotel elite status
• Not Offered: no first-year annual fee waiver — the $195 hits immediately
• Application sensitivity: U.S. Bank is more conservative on approvals than Chase/Amex; expect tougher underwriting if you don't have a U.S. Bank deposit relationship or an established business credit profile