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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
U.S. Bank Business Altitude Connect Visa Signature Card review: Rewards for multiple business spending categories
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
October 7, 2025 • 8 min read
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Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
A business travel rewards card offers high earning rates in categories like travel, dining, gas and hotels, plus airport lounge access and ride-hailing credits.
The card features a $0 introductory annual fee for the first year, then a modest fee thereafter, making it appealing for those seeking premium benefits at lower cost.
Points can be redeemed for travel, cash back or gift cards, but redemption is at a fixed value and points cannot be transferred to partners.
Ideal for business owners who prefer straightforward rewards and simple redemption options rather than maximizing value through transfer partners.
What to consider
Redemption options are limited to a fixed value per point, which may not appeal to those seeking flexible or higher-value redemptions.
Four complimentary airport lounge visits are included each year, and there are no foreign transaction fees for international use.
A minimum credit score of 670 is recommended for applicants, and points do not expire as long as the account remains active.
What you'll miss from the article
A detailed comparison of how this card's benefits and redemption structure stack up against other leading business travel cards.
Generated by AI with support from our editorial team.
U.S. Bank Business Altitude Connect Visa Signature Card overview
The is a solid choice for business owners interested in dipping their toes into premium benefits and high earning rates at a modest $0 introductory annual fee for the first year (then $95 thereafter). However, if you are looking for more perks, you may be better off with another option. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The U.S. Bank Business Altitude Connect is a solid travel rewards card since it provides bonus points on travel-related purchases, airport lounge privileges and statement credits for ride-hailing services.
The card earns points that can be redeemed for travel, deposits to a qualifying U.S. Bank account or gift cards, among other options. To increase applicants' chances of approval for this card, we recommend that they have a minimum credit score of 670.
Let's get into the details and see if this card could be a good option for your wallet.
U.S. Bank Business Altitude Connect pros and cons
Pros
Cons
Elevated earning rates in popular bonus categories, such as airfare, dining, gas and hotels
The provides a solid suite of benefits, especially considering its $0 introductory annual fee for the first year ($95 thereafter).
For one, business travelers receive a Priority Pass Digital annual membership to access more than 1,700 lounges and four complimentary visits each membership year. This is a great perk for frequent travelers who want a card with lounge access for a modest annual fee.
Cardholders on the go will also receive $25 in statement credits after making at least one ride-hailing-service purchase with a provider such as Uber or Lyft (or even a taxi service) on the card across three consecutive months.
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The U.S. Bank Business Altitude Connect is an excellent card to take abroad since it doesn’t charge foreign transaction fees.
Business owners also receive helpful financial tools like U.S. Bank Spend Management — a platform for monitoring and managing expenses — and access to a new cardmember $0 fee offer on ExtendPay Plans opened within the first 60 days of account opening.
Plus, cardholders who also hold the personal U.S. Bank Altitude® Connect Visa Signature® Card can transfer points between their business and personal cards to build up a combined balance more quickly.
The information for the U.S. Bank Altitude Connect has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Earning points with the U.S. Bank Business Altitude Connect
The shines with its high earning rates across popular spending categories for business owners.
With this card, you’ll earn:
5 points per dollar spent on car rentals and hotels booked directly in the Travel Center
4 points per dollar spent on travel, including airfare and hotels, on gas and at electric vehicle charging stations (excluding discount stores/supercenters and wholesale clubs) and at hotels on the first $150,000 in combined annual spend
2 points per dollar spent on cellphone services, dining, restaurant delivery and takeout
The travel category includes multiple types of travel, as it earns bonus points on EV charging and gas in addition to airfare and hotels. The addition of a bonus category for cellphone services is also a nice touch.
Points earned on the U.S. Bank Business Altitude Connect don’t expire as long as your account is active.
Redeeming points with the U.S. Bank Business Altitude Connect
The points earned with the are easy to redeem, which could be seen as a positive or a negative, depending on how you like to book travel.
That's because these points aren't the flexible travel rewards you may have come to expect with other cards. Instead, you'll be able to redeem points earned with the U.S. Bank Altitude Connect at a fixed 1 cent per point rate for travel and 0.8 cents apiece for other redemptions, such as cash back, shopping at Amazon and PayPal, and those made through the Real-Time Rewards option.
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These are simple options for beginners but could be seen as restrictive if you're trying to maximize your rewards.
For instance, TPG's October 2025 valuations deem Chase Ultimate Rewards points, which you can earn with a card like the (see rates and fees), as worth 2.05 cents apiece. So, 100,000 Ultimate Rewards points could be redeemed for up to $2,050 in travel, especially if you leverage transfer partners.
However, since the U.S. Bank Business Altitude Connect provides a fixed-value redemption option, 100,000 points earned with this card are worth just $1,000 — no matter what. So, it's worth considering whether you want to maximize your rewards or if you prefer simple redemption options from a card.
Which cards compete with the U.S. Bank Business Altitude Connect?
As a travel-oriented business card, the has multiple competitors.
If you want more flexible rewards: The Ink Business Preferred Credit Card earns flexible Chase points that can be transferred to multiple high-value partners, such as United Airlines and World of Hyatt, for lucrative redemptions. To learn more, read our full review of the Ink Business Preferred.
If you want more perks: provides valuable statement credits and ultra-premium benefits to business travelers who prioritize luxury. To learn more, read our full review of the Amex Business Platinum.
If you want simple earnings: The Capital One Venture Business earns a flat 2 miles per dollar spent on most purchases, making it an extra-simple option for business owners to earn bonus rewards on every expense they cover.
Is the U.S. Bank Business Altitude Connect worth it?
Business owners who want to earn bonus rewards on a diverse array of purchases would benefit from adding the to their wallet. The most important factors to consider are the card’s redemption options. Frequent travelers may be better off with a card that earns more flexible rewards.
The provides solid perks, earning rates and decent redemption options for business owners who don’t want to pay a high annual fee. Travelers who want to maximize their rewards capability may want to look elsewhere.
Award travel beginners and business owners who value simplicity are likely to get the most out of this card.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
