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Annual Fee

$95, waived for the first year

Regular APR

15.99% to 23.99% variable APR

Featured Reward

50,000 points after spending $3,000 in eligible purchases within the first 120 days from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great earning rate on travel and at gas stations (4x points = 4% back)
    • Bonus points on streaming services plus $30 yearly streaming credit can save you money
    • Global Entry or TSA PreCheck application fee credit is worth up to $100
    Cons
    • Annual fee after the first year
    • No airline or hotel transfer partners
    • Earn 50,000 bonus points when you spend $3,000 in eligible purchases within the first 120 days of account opening. That’s a $500 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • Earn 4X points on travel and at gas stations.
    • Earn 2X points at grocery stores, grocery delivery, dining and streaming services.
    • $30 credit for annual streaming service purchases such as Netflix and Spotify®.
    • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
    • 1X point on all other eligible purchases.
    • Points never expire.
    • Terms and conditions apply.


    Read Our Review
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    Review: Is the US Bank Altitude Connect the best credit card for you?

    Simplicity and ease of use are among the most undervalued benefits when it comes to choosing a new credit card. While it’s often possible to get a higher return on your spending by earning flexible points and carefully picking the right transfer partner to redeem them with, that takes time.

    And let’s be honest, not everyone has the time to learn the intricate web of transfer options or the desire to do so. If you’re looking for a rewarding credit card with strong bonus categories and an annual fee that doesn’t break the bank, the U.S. Bank Altitude® Connect Visa Signature® Card is a very compelling choice.

    Read more: The best rewards credit cards

    For starters, you’ll earn a welcome bonus of 50,000 points after spending $3,000 in eligible purchases within the first 120 days from account opening (worth $500), and the annual fee is $95, waived for the first year.

    The US Bank Altitude Connect earns 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 4x points on travel and at gas stations, 2x points at grocery stores, grocery delivery, dining and streaming services, and 1 point per dollar everywhere else.

    It also comes with a $30 annual streaming bonus for eligible services like

    Netflix
    , Apple TV+, Spotify, and more, and a $100 Global Entry/TSA PreCheck statement credit once every four years. Given the proliferation of streaming services most people should be able to use that $30 credit easily, meaning for just $65 out of pocket each year, you can use the US Bank Altitude Connect as a one-stop shop for most of your purchases.

    Who should and shouldn’t consider the US Bank Altitude Connect

    The US Bank Altitude Connect makes a pretty strong case for itself in the first year, with a waived annual fee, a welcome bonus worth $500, and a $30 streaming credit. After that, it still presents a very strong value proposition. Assuming you take the $30 streaming credit at face value you’ll be paying $65 a year out of pocket for the card, which you could fully recoup by spending just $1,300 on hotels and car rentals or $1,625 on travel and gas. 

    If you’ve decided that you’d rather not deal with the complexity of transferable points and you want a single credit card that will reward you well at the places you spend most, the US Bank Altitude Connect fits that bill.

    While it’s not necessarily the most rewarding card on the market in any one category, it offers strong earning rates on popular travel expenses, a simple and straightforward redemption process, and even some travel-friendly perks like a Global Entry/TSA PreCheck application fee credit to make your vacations more relaxing.

    Comparison: US Bank Altitude Connect vs other US bank cards

    US Bank Altitude Connect vs other rewards credit cards

    How to earn rewards from the US Bank Altitude Connect card

    The US Bank Altitude Connect has a straightforward earning structure that awards bonus points in popular spending categories. Cardholders earn:

    • 5 points per dollar spent on prepaid hotels and car rentals booked directly through the Altitude Rewards Center
    • 4 points per dollar on travel (including airlines, hotels, car rentals, taxis, limousines, passenger trains, and cruise lines) and at gas stations
    • 2 points per dollar at grocery stores and on grocery delivery, dining, and eligible streaming services
    • 1 point per dollar on all other eligible purchases

    It’s important to note that only services that appear on US Bank’s list of eligible streaming merchants qualify to earn 2x points:

    Read more: The best credit cards for streaming services

    How to use US Bank Altitude Connect points

    Points earned on the US Bank Altitude Connect are worth 1 cent each no matter how you redeem them, so you can pick whichever option suits you best. 

    You can redeem your rewards for travel purchases, merchandise, gift cards, cash back, and more. You also might get a text from US Bank asking if you’d like to use “Real-Time Rewards” and use your points instantly to cover a purchase you’re making with your card. There’s a minimum redemption amount of 2,500 points ($25) if you’re redeeming for cash back.

    Read more: The best cash-back credit cards

    One of the benefits of a fixed-value card like this is that there’s no incentive to save up your points for some aspirational redemption, meaning you can get your cash back working for you as quickly as you earn it.

    Benefits and features

    The main selling point of this card is certainly the bonus categories it offers, but it does come with a few additional perks.

    Global Entry/TSA PreCheck application fee credit

    Once every four years, cardholders can receive up to a $100 statement credit to cover the cost of a Global Entry or TSA PreCheck application or renewal.

    Read more: 11 travel rewards credit cards that will reimburse your Global Entry or TSA PreCheck application fee every 4 years

    $30 annual streaming bonus

    When you use the US Bank Altitude Connect to pay for eligible streaming services for 11 consecutive months, you’ll receive an automatic $30 credit each year. The eligible streaming services for the credit are the same as those that qualify to earn 2x points.

    Cell phone protection

    When you pay your monthly wireless bill with the US Bank Altitude Connect, you’re eligible for up to $600 per claim in coverage for cell phone damage or theft. There’s a $100 deductible and a maximum of one claim per year.

    Read more: The best credit cards with cell phone protection

    Roadside dispatch

    Cardholders can access a 24/7 roadside dispatch hotline which can help arrange services like towing, winching, or jumpstarting. The dispatch service itself is free, but you’ll be charged a set fee for services provided.

    Travel and emergency assistance services

    If you’re traveling and run into issues, you can access a travel and emergency assistance hotline that can help arrange things like legal and medical referrals, prescriptions, translation services, locating lost luggage, and more. Again, the service itself is free, but any third-party costs are your responsibility.

    Visa Signature benefits

    Because the US Bank Altitude Connect is a Visa Signature card, cardholders can access additional perks, including:

    Read more: Visa Signature credit cards offer perks at luxury hotels and benefits that can save you money and hassle, but many cardholders aren’t aware they have one

    Annual Fee

    $95, waived for the first year

    Regular APR

    15.99% to 23.99% variable APR

    Featured Reward

    50,000 points after spending $3,000 in eligible purchases within the first 120 days from account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Great earning rate on travel and at gas stations (4x points = 4% back)
    • Bonus points on streaming services plus $30 yearly streaming credit can save you money
    • Global Entry or TSA PreCheck application fee credit is worth up to $100
    Cons
    • Annual fee after the first year
    • No airline or hotel transfer partners
    • Earn 50,000 bonus points when you spend $3,000 in eligible purchases within the first 120 days of account opening. That’s a $500 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • Earn 4X points on travel and at gas stations.
    • Earn 2X points at grocery stores, grocery delivery, dining and streaming services.
    • $30 credit for annual streaming service purchases such as Netflix and Spotify®.
    • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
    • 1X point on all other eligible purchases.
    • Points never expire.
    • Terms and conditions apply.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    Fees and costs

    The US Bank Altitude Connect has an annual fee of $95, waived for the first year. You can use the card overseas without incurring extra charges, because it doesn’t add foreign transaction fees.

    Read more: The best credit cards with no foreign transaction fees

    Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.

    Featured credit cards from our partners

    Featured Reward

    125,000 bonus points and 1 free night award (value up to 50,000 points) after spending $5,000 on purchases in the first 3 months from account opening

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening



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