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U.S. Bank Altitude® Connect Visa Signature® Card review

A solid travel card that can’t quite compete with the competition.

  • Get this card if you want a travel card with simple redemption options and a good earning rate on gas.
  • Pick something else if you want more travel perks or you want to transfer your points to travel partners.
  • Apply with a good credit score of 670 or higher.

4x points on travel and at gas stations, 2x at grocery stores, grocery delivery, dining and streaming and 1x points on all other purchases

Rewards

$0 intro annual fee for the first year ($95 thereafter)

Annual fee

15.99% to 23.99% variable

Purchase APR

670

Minimum Credit Score

Details

Annual fee$0 intro annual fee for the first year ($95 thereafter)
Welcome offer50,000 points after spending $3,000 in the first 120 days
Rewards4x points on travel and at gas stations, 2x at grocery stores, grocery delivery, dining and streaming and 1x points on all other purchases
Purchase APR15.99% to 23.99% variable
Balance transfer APR15.99% to 23.99% variable
Minimum Credit Score670
IssuerVisa

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The U.S. Bank Altitude® Connect Visa Signature® Card is U.S. Bank’s new mid-level travel rewards card. It has a $0 intro annual fee, reverting to $95 after the first year, and a 15.99% to 23.99% variable APR. Using the card, you can earn 4x points on travel and gas stations, 2x points at grocery stores, grocery delivery, dining and streaming services and 1x points on all other purchases. It also comes with a 50,000 signup bonus you can earn after spending $3,000 in your first 120 days of card membership — a $500 value. You’ll get a $30 credit for annual streaming service purchases, plus a TSA PreCheck or Global Entry credit every four years.

I was hoping the U.S. Bank Altitude® Connect Visa Signature® Card would follow in the footsteps of US Bank’s last card, the Altitude Go, which offered surprisingly strong dining rewards. Unfortunately, the Altitude Connect doesn’t offer as strong perks as its competitors, including the Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card.

While the Altitude Connect’s reward rates are solid at 4x points on travel and gas stations, the card doesn’t offer a way to turn those points into a value greater than 1 cent each. And while getting an extra month to earn the 50,000 point welcome offer is nice, the value you get is much smaller than the massive 60,000 point bonus you’ll find on the Capital One Venture.

One thing the Altitude Connect brings to the table is a great earning rate on gas, which is helpful on a travel card and strangely not something you find on some of the other mid-tier cards on the market. If you foresee a lot of driving in your future, this isn’t a bad card to pack along for the ride. It’s also a bit simpler to use than Chase and Capital One’s offerings when it comes to redeeming rewards. But if you’re looking for a primary travel card with big chops, there are better options on the market.

How to apply for the U.S. Bank Altitude® Connect Visa Signature® Card

You can apply for the U.S. Bank Altitude® Connect Visa Signature® Card by going to US Bank’s website.

  1. Click on Personal, Credit cards, and then View credit cards from the top drop-down menu.
  2. Scroll down to the U.S. Bank Altitude® Connect Visa Signature® Card and click Apply now.
  3. Fill in the requested information and click Continue to complete the application.

What credit score do I need to apply for the U.S. Bank Altitude® Connect Visa Signature® Card?

To qualify for the U.S. Bank Altitude® Connect Visa Signature® Card, you should apply with a good to excellent credit score of 670 or higher.

U.S. Bank Altitude® Connect Visa Signature® Card benefits

  • Earn points. You’ll earn 4x points on travel and gas stations, 2x points at grocery stores, grocery delivery, dining and streaming services, and 1x points on everything else. You can redeem these points as a statement credit, on merchandise, gift cards or travel. Points are worth 1 cent a piece.
  • Welcome offer. Spend $3,000 in your first 120 days to earn 50,000 bonus points. This is worth roughly $500.
  • Statement credits. Enjoy up to $30 statement credit toward streaming services each year. Also receive a $100 statement credit toward your TSA PreCheck or Global Entry application fee every four years.
  • No foreign transaction fees. You won’t pay a fee when making purchases abroad.

U.S. Bank Altitude® Connect Visa Signature® Card drawbacks

  • Annual fee. After your first year, you’ll pay $95 annually to use this card. Given the price, the card is somewhat light on perks to help make up for this cost, especially compared to the competition.
  • No transfer partners. You can’t transfer your points to travel partners with this card, which cuts down on the potential value of your earned points.

Compare travel credit cards

Here are other similar travel credit cards to compare to make sure you find the card that best suits you.

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Venture X Rewards Credit Card
100,000 miles after you spend $10,000 in your first 6 months of account opening
10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase

$395
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
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Compare up to 4 providers

U.S. Bank Altitude® Connect Visa Signature® Card customer reviews and complaints

As of September 2021, US Bank is accredited with the Better Business Bureau and has earned an A+ rating. Of the 4,044 customer complaints, all have been closed to satisfaction. Of the complaints, most cite poor communication as a pain point.
On Trustpilot, US Bank sports a 1.3 rating out of 5 based on customer reviews. Complaints include slow online service and poor customer service.

Bottom line

The U.S. Bank Altitude® Connect Visa Signature® Card is a solid travel card but doesn’t do enough to put it on the same level as current mid-tier travel card mainstays. Still, this card could be a solid option if you’d rather not fuss about with point transfers or if you value gas rewards during your travels.

You can compare all of your travel options to get a better idea of what’s out there and see if this card is right for you.

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