The
U.S. Bank Altitude® Connect Visa Signature® Card is a good credit card to apply for if you have a
750+ credit score and you want to earn bonus rewards on travel, dining, gas/EV charging, groceries, and streaming services. There’s no annual fee and the rewards could save you hundreds of dollars per year, so it’s a worthwhile option.
The biggest downside to this offer is that it includes a high interest rate. But if you plan to pay your bill in full every month, that shouldn’t be a concern. You can find more information to help you decide whether or not to apply for the U.S. Bank Altitude Connect Visa Signature Card below.
U.S. Bank Altitude Connect Credit Card Review Highlights
Initial Bonus: 20,000 points for spending $1,000 in the first 90 days
The best rewards credit cards typically offer a sign-up bonus to new cardholders who spend a certain amount within a few months of opening an account. This card is no different.
The
U.S. Bank Altitude Connect’s bonus points are worth $200 when redeemed for travel or cash back, so it’s a pretty good deal if you’re planning to spend enough to qualify anyway. It isn’t spectacular, though. The average bonus is
$235 and
37,069 points / miles, according to W
alletHub’s Credit Card Landscape Report.
Ongoing Rewards: 1 - 5 points per $1
U.S. Bank Altitude Connect gives you:
•
5 points / $1 spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4 points / $1 spent on travel
• 4 points / $1 spent at gas stations/EV charging stations (up to $1,000 spent each quarter)
• 2 points / $1 spent at grocery stores
• 2 points / $1 spent at restaurants
• 2 points / $1 spent on streaming services
All other purchases get you
1 points / $1 – roughly the average earn rate for a rewards card. So, the more you spend in the bonus categories, the better.
TSA PreCheck/Global Entry Credit: $85 to $100, every four years
If you pay the application fee for TSA PreCheck or Global Entry with the U.S. Bank Altitude Connect Visa, you will be credited for the full cost. The credit is $85 for TSA PreCheck or $100 for Global Entry. You can only pick one, and you will only be credited once every four years.
Other Benefits: Travel protection and assistance
The card offers trip cancelation/interruption protection, trip delay reimbursement and
SmartDelay. You can also get four free visits to Priority Pass airport lounges each year.
Foreign Transaction Fee: 0%
You can travel and shop worldwide with the U.S. Bank Altitude Connect Visa Signature Card without paying an international surcharge. The average foreign fee among new credit card offers right now is
1.58%, according to our research, so you’re saving money compared to the field.
Annual Fee: $0
The average credit card annual fee is
$26.75, and top-tier travel rewards cards often charge around $100 per year (or more). Not having to pay an annual fee is particularly good if you don’t plan to make a ton of purchases with the card, or you already have some expensive rewards cards.
What I Like About U.S. Bank Altitude Connect
Interest Rate: 17.74% - 27.74% (V)
The U.S. Bank Altitude Connect Card’s exact APR depends on each applicant’s overall creditworthiness. Unfortunately, it has the potential to be a lot higher than the average APR among new credit card offers right now (
22.76%).
To make sure this card is worthwhile, you need to pay your bill in full monthly. This will prevent interest charges from showing up.
Credit Score Requirement: Excellent credit
You will have the best odds of approval with a credit score of
750+. This isn’t unreasonable, but it would be better if more people could enjoy the card.
If you’re not sure where you stand, you can
check your latest credit score for free here on WalletHub.
Bottom Line: Is U.S. Bank Altitude Connect Card Worth It?
Yes, the U.S. Bank Altitude Connect Card is worth it because you can earn a sizable initial bonus as well as competitive ongoing rewards, and you won’t have to pay an annual fee. You just have to pay the bill in full every month to avoid interest charges.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.