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

The CardName – a travel-focused credit card – is a solid choice, even for the infrequent traveler.

Although some other cards have more competitive perks, the Altitude® Connect offers an easy-to-use rewards program with the ability to receive cash back (in the form of a statement credit or as a deposit made to your U.S. Bank savings or checking account) instead of travel rewards, should you choose.

Even if you only travel a few times a year the Altitude® Connect may be a good choice for you.

Let's break down why...

CardName WELCOME BONUS

The CardName rewards new cardholders who spend $2,000 on the card within the first 120 days of opening an account with 50,000 bonus points. That's a $500 value that you can redeem for travel and more. Depending on your travel plans, you could significantly offset the cost of your next trip with this bonus alone.

Additionally, U.S. Bank offers cardholders a AnnualFees.

FEATURED CARD

 

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• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

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Terms and Limitations Apply

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CardName BENEFITS

BONUS POINTS

On an ongoing basis, CardName cardholders earn:

• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4X points on travel
• 4X points at gas stations & EV charging stations through September 8, 2024, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded)
• 2X points on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
• 1X point on all other eligible purchases

STREAMING SERVICE CREDIT

The Altitude® Connect offers a statement credit towards select streaming services.

Just charge your streaming service purchases to your card for 11 consecutive months. After the 11th month, a $30 statement credit will be applied to your card's account within two billing cycles.

Only select streaming services are eligible for this benefit, including Netflix, Hulu, Spotify, HBO Max, YouTube TV and more.

This is an ongoing benefit, so you will receive the $30 credit annually.

TSA PRECHECK® OR GLOBAL ENTRY REIMBURSEMENT

TSA PreCheck® and Global Entry are programs from the Department of Homeland Security that allow for faster screening at security or U.S. customs.

U.S. Bank will reimburse you up to $100 for the application fee for one of these programs once every four years.

To qualify, you must apply for either the TSA PreCheck® or Global Entry and use your Altitude® Connect card to pay the application fee.

This is a great perk for a card with such a manageable annual fee.

CELL PHONE PROTECTION

The chances of something bad happing to your phone are higher on vacation because it's easy to get distracted by your itinerary or the sights around you.

With the Altitude® Connect card, you can rest easy if your phone is stolen or damaged. U.S. Bank will reimburse you up to $600 for eligible claims, as long as you pay your monthly cell phone bill with the card.

ADDITIONAL BENEFITS

• No foreign transaction fees
• Points never expire (as long as your account is active)
• Contactless payment
• Mobile wallet

POTENTIAL DOWNSIDES OF THE CardName

The CardName offers decent perks, but competing cards like the CardName and CardName (compared below) outclass it.

If you frequently travel you will likely earn more value from rewards with competitors.

Although the Altitude® Connect offers cell phone protection, it lacks other important travel insurance. That extra security can help you out in a jam and can bring peace of mind on your journey.

CardName CARDHOLDER SCORES

HOW DOES THE CardName COMPARE TO OTHER TRAVEL CREDIT CARDS?

CardName vs. CardName

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The CardName offers a welcome bonus worth $1,000 in travel through the Chase portal, but cardholders must spend a bit more than the U.S. Bank Altitude® Connect card to earn it. New CardName cardholders who spend $4,000 in the first three months can earn 60,000 bonus points - worth $750 toward travel when redeemed through Chase Travel℠.

The annual fee of AnnualFees also isn't waived for the first year like it is with the Altitude® Connect.

With the Sapphire Preferred®, you can earn a $50 Annual Chase Travel Hotel Credit through Chase Travel.

You enjoy 5X points on travel purchased through Chase Travel compared to only 4X with the Altitude® Connect.

When you redeem your points through Chase Travel, they are worth 25% more, which is an enticing perk of this card.

Additional benefits include:

• 3X points on dining
• 3X points on online groceries
• 3X points on select streaming services
• 2x on all other travel purchases
• 1X on all other purchases

If you're a frequent traveler, you'll likely accrue more value in rewards with the Chase Sapphire Preferred® card because of the higher point multipliers, anniversary bonuses, and increased value purchasing travel through Ultimate Rewards&.

CardName vs. CardName

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With the CardName new cardholders can earn a one-time 75,000 bonus mile offer once spending $4,000 within the first three months of opening an account. This is a value of up to $750 in travel.

The Venture card earns 2X miles per dollar on all purchases and 5X miles on hotels and rental cars booked through Capital One Travel.

Capital One will reimburse the $100 application fee for TSA PreCheck® or Global Entry, just like U.S. Bank if you have the Altitude® Connect card. The Venture card also has a AnnualFees annual fee; however, the first year is not waived.

If you're looking for an extra layer of security when you travel, Capital One Venture may be a better card for you. This is because the Venture offers additional travel protections like travel accident insurance and auto rental collision damage waiver.

CardName vs. CardName

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With the CardName cardholders earn 1.5X miles per dollar on all purchases. Plus, at the end of your first year, Discover matches the miles that you earned throughout the year.

You can redeem rewards as a statement credit to pay for travel purchases such as hotel rooms, rental cars, gas stations, restaurants, and more. You can also opt to get cash back if you don't want to use your rewards on travel.

Unlike the other cards listed in this review, CardName does not have an annual fee.

If you are going to make a lot of purchases within your first year, this may be an excellent card for you because Discover will match them mile for mile. However, it may not be a good choice if you don't see yourself traveling for the foreseeable future since Discover only matches miles for the first year. In that case, you would probably want a card with better ongoing travel rewards such as the Altitude® Connect, or perhaps one of the other travel cards compared above.

IS THE CardName A GOOD CARD?

The CardName provides a simple rewards program that's beneficial for many travelers.

Overall, it's a good card if you're traveling within the U.S. a couple of times per year. Earning 4X points at gas stations and EV charging stations will save money on long-distance road trips, especially if you're staying in hotels and renting a car along the way. Plus, bonus points earned at the grocery store, on dining and streaming services can benefit users when not traveling.

Travel rewards aside, cell phone protection is another valuable perk of this card. This is a rare perk for credit cards, so it's an enticing reason to keep the card in your wallet, even through seasons of infrequent travel.

Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.