$0
Annual fee
$200
Bonus value
See the card
Card reviewUS Bank
Updated Jul 3, 2026 · researchUB
US BankU.S. Bank Altitude Connect RewardsEditorially reviewed
U.S. Bank Altitude® Connect Visa Signature® Card
No annual fee Visa Signature travel rewards card earning up to 5X points, with a 20,000-point bonus, intro APR, no foreign transaction fees and premium travel benefits.
Mid TierPersonal
Visa
Credit profile: good$0
Annual fee
5x pts prepaid hotels and car rentals booked directly in the travel center
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
20,000 points
$200 estimated value
Spend $1,000 in 90 days
Verifiedofficial product page
Card Offers
public
20,000 points
$200 estimated value
Spend $1,000 in 90 days
official product_page
Earning Rates
Prepaid hotels and car rentals booked directly in the Travel Center
5xpoints
Must be booked directly in the Travel Center using this card. Prepaid car and hotel reservations in the Travel Center are not classified as a travel category merchant transaction and are not eligible for the travel category bonus.
Gas stations and EV charging stations
4xpoints
Earns 4X points on the first $1,000 each quarter. Discount stores/supercenters, wholesale clubs and grocery stores/supermarkets earn only 1 point.
Travel
4xpoints
Travel category purchases include purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies. Merchant category codes determine eligibility.
Dining, streaming services and grocery stores
2xpoints
Applies to restaurant, fast-food restaurant and bar; grocery store and supermarket; and qualifying streaming subscription services. Wholesale clubs and discount stores/supercenters such as Target and Walmart earn only 1 point. Refer to Program Rules for official list of qualifying streaming services merchants.
All other eligible purchases
1xpoints
Earns on eligible Net Purchases; some transactions such as balance transfers, advances, fees, interest charges and certain cash-convertible or prepaid transactions are not eligible.
Pros & Cons
Pros
- No annual fee, so the card carries no fixed cost to hold
- Strong 4X rate on gas, EV charging, and general travel rewards everyday commuters and travelers alike
- Broad 2X category coverage across dining, streaming, and groceries reduces the need for multiple cards
- 5X rate on prepaid hotels and car rentals is competitive for a no-annual-fee travel card
- Accessible welcome bonus with a relatively low $1,000 spend requirement in 90 days
Cons
- Rewards are tied to the Altitude Rewards program, which may offer fewer transfer partner options than major bank loyalty ecosystems
- No mention of travel protections, lounge access, or premium perks that compete with higher-tier travel cards
- The 1X base rate on non-bonus spending is average compared to flat-rate alternatives
- Prepaid hotel and car rental bookings are required to earn the top 5X rate, limiting flexibility in how you book travel
Key Takeaways
- No annual fee makes this card low-risk to hold long term
- The 4X rate on gas and EV charging is one of the strongest in the no-annual-fee travel card category
- The 5X rate on prepaid hotels and car rentals rewards cardholders who plan ahead when booking travel
- Dining, streaming, and grocery purchases all earn 2X points, covering a wide range of common household expenses
- The welcome bonus of 20,000 points requires only $1,000 in spending within 90 days, which is attainable for most consumers
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 17.49% - 27.49%0% intro APR for 15 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
8 benefits including 2 hidden gems
Travel Insurance
Travel Access & Perks
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
Does the U.S. Bank Altitude Connect Visa Signature Card have an annual fee?
No, the U.S. Bank Altitude Connect Visa Signature Card has no annual fee. This applies from the first year onward, so there is no fee waiver period to be aware of.
What is the welcome bonus and how do I qualify for it?
New cardholders can earn 20,000 bonus points after spending $1,000 within the first 90 days of account opening. This is a public offer available through the official U.S. Bank product page.
What rewards do I earn at gas stations?
The card earns 4X points per dollar spent at gas stations and EV charging stations. This rate also applies to general travel purchases, making it useful for both traditional and electric vehicle drivers.
Does this card earn extra points on groceries?
Yes, grocery store purchases earn 2X points per dollar. The same 2X rate also applies to dining and streaming services.
What is the highest earning rate on this card?
The highest earning rate is 5X points per dollar, which applies to prepaid hotels and car rentals. All other travel purchases earn 4X points per dollar.
What rewards program does this card use?
This card earns points through the U.S. Bank Altitude Rewards program. Redemption options are governed by the terms of that program.
Is this card good for everyday spending?
The card offers 2X points on dining, streaming, and groceries, which are common everyday categories. All other eligible purchases earn 1X point per dollar, providing a baseline return on spending outside the bonus categories.
Is the U.S. Bank Altitude Connect a Visa Signature card?
Yes, it is issued on the Visa Signature network. This means it carries standard Visa Signature benefits in addition to the card's own rewards structure.
Does this card include benefits for EV drivers?
Yes, EV charging stations are included in the 4X points category alongside traditional gas stations. This is a notable feature for electric vehicle owners who want to earn elevated rewards on charging costs.
Is the current welcome bonus the highest offer ever available for this card?
According to the available data, the current 20,000-point welcome bonus is not noted as a historical high. Cardholders should check the official U.S. Bank product page for the most up-to-date offer details.
About This Card
This card is best for everyday consumers and commuters who want to earn solid travel rewards on gas, groceries, dining, and streaming without paying an annual fee. It is particularly well suited to those who book prepaid hotels and car rentals and want to maximize points on those purchases.
The U.S. Bank Altitude Connect Visa Signature Card is a no annual fee travel rewards card that earns points on Travel Center bookings, travel, gas and EV charging, dining, streaming, groceries and other eligible purchases. It offers a 20,000-point bonus after $1,000 in Net Purchases in the first 90 days, 0% intro APR for 15 billing cycles on purchases and qualifying balance transfers, no foreign transaction fees, airport lounge access, Global Entry/TSA PreCheck application fee statement credit, travel protections and complimentary GigSky global mobile data plans.
The U.S. Bank Altitude Connect stands out in the no-annual-fee travel card segment by combining a strong 4X rate on both gas and EV charging with 5X on prepaid hotels and car rentals, a combination that is difficult to match among cards with no annual fee.
Ready to Decide?
Apply for the U.S. Bank Altitude® Connect Visa Signature® Card
20,000 points, worth about $200 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
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- 8 of 8 benefits rated high confidence
- 1 of 1 offer verified
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