This card’s welcome bonus has now been increased to 75,000 points, and the annual fee is waived for the first year, so it’s not hard to keep. In addition, this card earns 4x-5x points on travel spending, offers $100 in annual rideshare credits, and includes 4 Priority Pass visits, making it a pretty well-rounded package.

This welcome bonus is pretty good, so I’ve added it to the rankings.

US Bank Business Altitude Connect welcome bonus page

US Bank Business Altitude Connect Business Credit Card Overview

“Note” If you’re not familiar with business credit cards, please start here: Business Credit Card Introduction

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Full review

U.S. Bank Business Altitude Connect Business Credit Card

4x on travel, 2x on dining; complimentary airport lounge access

  • Welcome bonus: 75,000 points (spend $6,000 within 180 days of account opening)
  • Rewards: 5x on hotels and car rentals booked through its own website; 4x on travel (up to $15k per year); 2x on dining and cell phone bills; 1x on everything else
  • Redemption: Redeem directly: 100 points = $1 cash back
  • Annual fee: $95（$0 annual fee for the first year）
  • Apply now>>

Benefits Analysis

  • Broad 4x travel category coverage: travel includes airfare, hotels, gas, and EV charging
  • Priority Pass lounges: 4 complimentary visits to Priority Pass partner lounges each year
  • Points can be transferred to a personal card: points earned on this business card can be transferred to the Altitude Connect personal card and used together. However, its own redemption rate is only 100 points = $1, so this isn’t very useful.
  • $25 rideshare credit every three months: if you make at least one rideshare purchase each month for three consecutive months (Uber, Lyft, etc.), you can automatically receive a $25 credit. That works out to an extra $100 per year.
  • No Foreign Transaction Fee

My Thoughts

From the benefits and earning rate perspective, this is pretty average for a card with a $95 annual fee. The rideshare credit basically covers the annual fee, and 4x on travel spending is also pretty solid. However, the points on this card can’t be combined with Altitude Reserve; if they could be boosted to 1.5 c/p, it would be much more attractive.

How to Apply

  • US Bank application status check link. Or call: 800-947-1444
  • When you apply, US Bank may check the two smaller credit bureaus SageStream & ARS credit reports, so you may consider freezing them before applying
  • You can only earn the welcome bonus on the same US Bank credit card once
  • You can call the reconsideration line (800-947-1444) to speed up the credit card approval process or to have a denied application reviewed again.
  • US Bank is relatively sensitive to HPs and new accounts. Having a US Bank Checking account can help with getting approved for a credit card
  • More about applying for US Bank credit cards

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