U.S. Bank Business Altitude Connect review: Strong travel rewards, limited perks

<source media="(prefers-color-scheme: dark)" srcset="https://s.yimg.com/lo/mysterio/api/DA11DDA6DB8B212DCFACEBE3A7E671060228AEDEA7631C5D346D676C692A961F/subgraphmysterio/resizefill_w232_h48;quality_100;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2020-12%2F06d229b0-35a3-11eb-b7ed-2fef9ccc0bf2"> <img src="https://s.yimg.com/lo/mysterio/api/379929C37175CC3858FD8030E180ECF031F340A2D42672C252090B0364F0FBD0/subgraphmysterio/resizefill_w232_h48;quality_100;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2020-12%2Fe70e9a00-35a2-11eb-bdfd-3f73c982ffa9" alt="Yahoo Personal Finance" class="provider-logo" loading="lazy" width="116" height="24" fetchpriority="auto"></picture> </div> <div class="cover-headline yf-1wlntij"><h1 class="cover-title yf-1wlntij">U.S. Bank Business Altitude Connect review: Strong travel rewards, limited perks</h1> <label data-testid="typography" class=" type-ui-xxl-reg yf-gjjls9"> </label></div></div> <div class="byline yf-1t4uimj"><div class="byline-attr yf-1t4uimj"><div class="byline-attr-author yf-1t4uimj"><div class="byline-attr-author-list yf-1t4uimj"><div class="byline-attr-logo yf-1t4uimj"> </div> <div class="byline-attr-name"> <span class="byline-attr-meta-separator yf-1t4uimj" data-svelte-h="svelte-1yy7aps">·</span> Senior Writer, Credit Cards</div> </div></div> <div class="byline-attr-time-style"> <time class="byline-attr-meta-time" datetime="2026-08-18T19:27:17+00:00" data-timestamp="2026-08-18T19:27:17+00:00">Tue, August 18, 2026 at 12:27 PM PDT</time> <span class="byline-attr-mins-read yf-1pgkgts hasSquareSeparator">7 min read</span> </div></div> <div><span class="share-dialog yf-15uzx9j"><div class="menuContainer yf-1uspju" style=" " role="presentation"> <button class="tertiary-btn fin-size-medium menuBtn tw-p-1 rounded highlightWhenExpanded yf-7mptsx" data-ylk="elmt:menu;itc:1;elm:btn;sec:consolidated-share-popup;slk:share-menu-open" data-yga="{"yLinkElementType":"menu","yLinkElement":"btn","yModuleName":"consolidated-share-popup","yLinkText":"share-menu-open"}" aria-haspopup="true" aria-controls="menu-t37q7uup" tabindex="0" title="Share links" data-testid="share-link" dialogAlignLeftValue="-300px" dialogAlignTopValue="40px" aria-label="Share links"> <div aria-hidden="true" class="icon fin-icon primary-icn sz-x-large yf-15ilbqr" data-icon-type="ios-share" data-testid="desktop-share-icon"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="m16 5-1.42 1.42-1.59-1.59V16h-1.98V4.83L9.42 6.42 8 5l4-4zm4 5v11c0 1.1-.9 2-2 2H6a2 2 0 0 1-2-2V10c0-1.11.89-2 2-2h3v2H6v11h12V10h-3V8h3a2 2 0 0 1 2 2"/></svg> </div> </button> <div class="dialog-container menu-surface-dialog modal tw-hidden yf-1uspju" id="menu-t37q7uup" aria-hidden aria-label=""></div> </div></span> <span class="mweb-share-dialog yf-15uzx9j"> <button class="icon2-btn fin-size-medium rounded highlightWhenExpanded yf-7mptsx" data-ylk="elm:share;itc:1;sec:consolidated-share-popup;slk:share-menu-open" data-yga="{"yLinkElement":"share","yModuleName":"consolidated-share-popup","yLinkText":"share-menu-open"}" data-icon-type="ios-share" title="Share Links" aria-label="Share Links" data-testid="mobile-share-button"><div aria-hidden="true" class="icon fin-icon inherit-icn sz-large yf-15ilbqr"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="m16 5-1.42 1.42-1.59-1.59V16h-1.98V4.83L9.42 6.42 8 5l4-4zm4 5v11c0 1.1-.9 2-2 2H6a2 2 0 0 1-2-2V10c0-1.11.89-2 2-2h3v2H6v11h12V10h-3V8h3a2 2 0 0 1 2 2"/></svg> </div> </button></span></div> </div></div> <div class="body-wrap yf-1pcsb1w"><div class="article-wrap yf-1pcsb1w"><div class="body yf-v6n2s3" data-testid="article-body"> <div class="bodyItems-wrapper"> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;">As a business owner, you can use the U.S. Bank Business Altitude® Connect Visa Signature® Card to earn rewards on travel, as well as dining and cell phone services. This card is an affordable option with benefits you can use while on the road or at your home office.

</p></div> </div> <h2 class="text text-block heading text-left neo-font-heading-lg yf-18d6y07" role="heading" id="jump-link-additional-benefits-of-the-us-bank-business-altitude-connect-visa-signature-card" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;">Additional benefits of the U.S. Bank Business Altitude Connect Visa Signature Card </h2> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;">In addition to the annual savings you can get through rideshare credits and airport lounge access, this card has a few additional perks for your business spending:

<strong>U.S. Bank Spend Management:</strong> Access U.S. Bank's platform for business owners to manage expenses, track spending, integrate purchase info into accounting software, and more.

<strong>No foreign transaction fees:</strong> Save on purchases you make internationally with no foreign transaction fees. These fees can add up to 3% on each purchase abroad.

<strong>Annual fee waived for the first year:</strong> You'll pay a $0 introductory annual fee for the first year. After that, this card charges a $95 fee annually.

<strong>Travel protections:</strong> This card comes with some added travel protections, including auto rental collision damage waiver, lost luggage insurance, and travel assistance.

Eligible travel expenses for the 4x category include airfare, hotel bookings, car rentals, gas and EV charging stations (though it excludes gas from superstores or wholesale clubs), passenger trains, and more. After you reach the $150,000 annual cap, travel purchases earn 1x points.

You'll also get an unlimited 2x points per dollar on dining (including takeout and delivery) and with cell phone service providers. Every other purchase earns 1x points.

As a new cardmember, you can also earn rewards via the U.S. Bank Business Altitude Connect card's welcome bonus. If you spend at least $6,000 within the first 180 days, you'll get 75,000 bonus points — worth up to $750 in rewards.

The best way to redeem the points you earn with your U.S. Bank Business Altitude Connect is for travel or as a deposit into your U.S. Bank account. Travel redemptions may include using points to book travel through the U.S. Bank portal or using Real-Time Rewards to cover a travel purchase you charge to your card.

You'll get a max 1 cent per dollar value with these redemptions. That means, for example, you'd get $750 in rewards value for the 75,000-point welcome bonus.

Your points won't expire as long as your account is active. But leaving your account with no reward, purchase, or balance activity for 12 consecutive months could put your rewards at risk of expiration.

There are plenty of things to like about the U.S. Bank Business Altitude Connect, from its low annual fee to rewards categories and rideshare credit. But there are some things you should consider before you apply.

This may not be the best card for you if you and your employees travel for business very frequently. For one, you'll only earn the full 4x points on travel up to the first $150,000 spent across flights, hotels, gas and EV charging, and other travel expenses each year. You may be leaving rewards on the table if you regularly spend more than that.

You can also quickly use up the airport lounge membership benefit with frequent travel. This card comes with a Priority Pass Digital membership, which gets you four free lounge visits per year. Many other business travel cards come with Priority Pass Select membership, which has unlimited annual access to airport lounges.

Other business credit cards for travel may also allow you to transfer your rewards to partner airlines or hotels for a potentially higher redemption value. With the U.S. Bank Altitude Connect, you won't have the option to transfer points. You'll need to book your travel with U.S. Bank, use points toward travel purchases on your card, or transfer them to an eligible U.S. Bank account for maximum value.

Instead, this card is best for business owners who travel less frequently or primarily travel by car. For a relatively low annual fee (which is waived for the first year), you can get solid earnings on travel expenses up to the spending cap as well as on dining out while you're on the road.

<strong>Rewards on travel and everyday purchases:</strong> Earn rewards on your travel spending, dining, and cell phone service. If you spend a lot each year across these categories, you can more than make up the annual fee in rewards value.

<strong>Welcome bonus:</strong> This card's welcome bonus is worth hundreds of dollars. As long as the minimum required spend is within your budget, this can give you a huge first-year rewards boost.

<strong>$25 rideshare credit:</strong> For every three consecutive months you make a taxi or rideshare purchase with your card, you'll get a $25 statement credit. If you make rideshare purchases each month of the year, you could earn four statement credits annually (worth $100 total), which alone could wipe out the card's annual fee.

<strong>Spending cap for travel rewards: </strong>If you spend a lot of money on business travel each year, make sure you keep the $150,000 travel spending cap in mind. After you reach that amount on travel purchases, your rewards will drop from 4x to 1x.

<strong>Few added benefits: </strong>Beyond the rideshare credit and four Priority Pass lounge visits, this card doesn't offer the same range of annual benefits as you'll find from other travel credit cards.

The U.S. Bank Business Altitude Connect also charges no foreign transaction fees. If your business often takes you abroad, you'll save up to 3% on international transactions when you it to pay.

You can pay down your U.S. Bank credit card through your or the . Both the main account holder and employees with employee cards can make card payments.

Log in to your account, select "Transfer & pay," then "Pay bills." Choose your card and the payment date, and select the checking or savings account you want your payment to come from.

You can also visit a during business hours

The U.S. Bank Business Altitude Connect is an affordable option for travel savings that may suit some business travelers, but there are other great travel cards to consider. Here are a few of our top picks:

</p></div> </div> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><strong>Why we like it:</strong> This no-annual-fee business travel card makes it easy to maximize your business spending at home and while traveling. You'll earn a flat 1.5x points on every purchase, but you can get a higher 3x rewards rate when you book travel through the Bank of America Travel Center.

The Bank of America Business Advantage Travel Rewards card also has a solid welcome bonus and an introductory APR on new purchases. And if you're a Bank of America Preferred Rewards for Business member, you can earn an even higher rewards rate on every purchase.

</p></div> </div> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><strong>Why we like it: </strong>Like the U.S. Bank Business Altitude Connect, the Ink Business Preferred has a $95 annual fee. For that, you'll earn 3x rewards across a range of everyday categories as well as travel — up to the same $150,000 limit each calendar year. After that, earn 1x on every purchase. This card also has a fantastic welcome bonus, and you can redeem your points in multiple ways, including for travel through Chase Ultimate Rewards or transferring to travel partners. 

</p></div> </div> <p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><strong>Why we like it:</strong> The Amex Blue Business Plus is a no-annual-fee business card with flat 2x Membership Rewards® points on every purchase. This card is best for business owners with limited annual budgets, since you'll only get 2x points on the first $50,000 in purchases each year. After that, everything earns 1x points per dollar. You can redeem your rewards for statement credits or travel by booking through Amex Travel or transferring them to Amex's travel partners. This card also has a solid welcome bonus and an intro APR for purchases. 

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The rebranded Atmos Rewards Ascent Visa Signature Card packs a lot of value into its product while staying affordable with a sub-$100 annual membership fee.