The
U.S. Bank Altitude® Connect Visa Signature® Card is a good credit card for people with
excellent credit, offering rewards that are easily worth the card’s annual fee of
$95 (
$0 the first year). U.S. Bank Altitude Connect offers an initial bonus of
50,000 points for spending $2,000 in the first 120 days, plus ongoing rewards of
1 - 5 points per $1 on purchases. The card’s ongoing bonus rewards categories include travel, gas, groceries, dining, and streaming services. Cardholders have opportunities to earn valuable account credits, too.
The biggest downside to this offer is the U.S. Bank Altitude Connect Card’s 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: 50,000 points for spending $2,000 in the first 120 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. The average bonus is $242 for a cash rewards card and 30,381 for cards offering points or miles. - Ongoing Rewards: 1 - 5 points per $1
U.S. Bank Altitude Connect gives 5 points / $1 spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points / $1 on travel and at gas stations, as well as 2 points / $1 spent at grocery stores (including delivery services), on dining at restaurants, and on streaming services. All other purchases get you 1 points / $1 – roughly the average earn rate for a rewards card. - TSA PreCheck/Global Entry Credit: $85 to $100, every four years
If you pay the TSA PreCheck or Global Entry application fee 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. - Streaming Service Credit: $30 per year
If you pay for a streaming service such as Netflix or Spotify with the Altitude Connect Card, U.S. Bank will credit you up to $30 per year to help cover the cost. - Other Benefits: Cell phone protection, contactless purchases and Visa Signature perks
Paying your cell phone bill with this card gets you insurance against phone loss or damage. You won’t always need to swipe or dip your card when checking out. And Visa Signature cards offer benefits ranging from car-rental discounts to special event access. - 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 1.56%. - Annual Fee: $95 ($0 the first year)
The average credit card annual fee is $21.58, and top-tier travel rewards cards often charge around $100 per year. - Interest Rate: 21.24% - 29.24% (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 (22.9%). - Credit Score Requirement: Excellent credit
You will have the best odds of approval with a credit score of 750+. You can check your latest credit score for free on WalletHub.
Bottom Line: Is U.S. Bank Altitude Connect a Good Credit Card?Yes, the U.S. Bank Altitude Connect Visa Signature Card is a good credit card for earning rewards. U.S. Bank Altitude Connect offers a sizable initial bonus as well as competitive ongoing rewards, which are worth a lot more than the card charges in fees. But you have to pay the bill in full every month to avoid interest and maximize the card’s value.
