Yes, you can upgrade your U.S. Bank Altitude® Connect Visa Signature® Card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your U.S. Bank Altitude Connect card qualifies for an upgrade, call customer service at 1-800-285-8585.
U.S. Bank Altitude Connect Card Upgrade: What You Should Know
U.S. Bank does not state a specific amount of time the card account must be open before it’s eligible for an upgrade, but it’s a good idea to wait at least 6 months before requesting an upgrade.
U.S. Bank only allows upgrades to cards within the same card family. For example, you cannot upgrade from U.S. Bank Altitude Connect to a business card or co-branded card.
If you upgrade to a U.S. Bank card with an annual fee, the charge will appear on the new card’s first monthly statement.
If you’re eligible for a refund on your U.S. Bank Altitude Connect card’s annual fee, U.S. Bank will pro-rate the amount of your refund, based on how long it’s been since the fee posted to your original account.
You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
U.S. Bank Altitude Connect card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
A U.S. Bank Altitude Connect card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7 - 10 days from the approval date. Your card number may change, and your new card will come with an updated expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.
To get the U.S. Bank Altitude Connect sign-up bonus, new cardholders must spend $2,000 within the first 120 days of opening an account. The U.S. Bank Altitude Connect bonus is 50,000 points.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the U.S. Bank Altitude Connect, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.… read full answer
In addition to the sign-up bonus, the U.S. Bank Altitude Connect offers 1 - 5 points per $1 on purchases. Its annual fee is $0 intro 1st yr, $95 after, and you need excellent credit to get approved for the card.
To do a balance transfer with the U.S. Bank Altitude Connect card, new applicants can just complete the balance transfer portion of the U.S. Bank Altitude Connect application. Existing cardholders can request a balance transfer online or by calling customer service at (800) 285-8585.
U.S. Bank Altitude Connect balance transfers usually take 14 days to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.… read full answer
How to Do a Balance Transfer with U.S. Bank Altitude Connect (New Applicants)
Open the U.S. Bank Altitude Connect
Enter the account number for your existing balance.
Enter the amount you want to transfer.
Include standard application info such as your name, Social Security number, and annual income.
Submit the application.
How to Do a Balance Transfer with U.S. Bank Altitude Connect (Existing Cardholders)
Log in to your U.S. Bank Altitude Connect account.
Select “Payments and limit” from the My Accounts
Click “Request a balance transfer.”
Enter the account number(s) and the amount(s) you’d like to transfer.
Verify your information is correct and submit the application.
Key Things to Know About a U.S. Bank Altitude Connect Balance Transfer
The U.S. Bank Altitude Connect card accepts balance transfers from other credit cards, along with loans and other lines of credit. The U.S. Bank Altitude Connect card does not allow balance transfers from other U.S. Bank credit accounts.
If you’re transferring a balance to a credit card with an introductory APR on balance transfers, try to pay off the balance before the introductory rate expires. Any balance remaining after that will accumulate interest daily at the card’s regular APR. Using a balance transfer calculator can be a big help.
Finally, there is a 3% (min $5) fee on U.S. Bank Altitude Connect balance transfers. Make sure to take this into account, too.
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