U.S. Bank Altitude® Connect Visa Signature® Card
Basic Information
Program ID: altitude-connect-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 18:22
Last Scraped: 01/15/2026 08:01
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $65.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $2,000.00
Time Period: 120 days
Bonus Timing: Bonus points are typically credited to your account 6-8 weeks after the spend requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Travel, 4x Gas, 4x EV Charging, 2x Dining, 2x Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026 (projected based on current U.S. Bank rules and industry trends): Applicants must generally possess excellent credit (FICO score typically 740+). The primary application restriction is the U.S. Bank 2/12 Rule, which states that applicants cannot have opened more than 2 new personal U.S. Bank credit cards in the past 12 months. Eligibility for the sign-up bonus typically requires the applicant not to have held the Altitude Connect card previously or received a bonus for it within a recent timeframe (e.g., 24-48 months, though U.S. Bank's enforcement can vary). The sign-up bonus usually requires meeting a specified minimum spend (e.g., $2,000-$2,500) within the first 90-120 days of account opening.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 90-120 days
Shutdown Risk Triggers: Manufactured spending (MS), bust-out schemes, rapid application for multiple cards (especially within U.S. Bank or across issuers leading to high cumulative credit limits), high credit utilization, defaulting on payments, suspicious activity, exceeding stated credit limits, excessive credit limit requests, opening and closing accounts too quickly, or any activity deemed fraudulent or abusive of rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards on common spending categories like travel, gas, and groceries. Valuable sign-up bonus and useful travel perks like TSA PreCheck/Global Entry credit and cell phone protection.
Top Negative Feedback:
Annual fee kicks in after the first year. U.S. Bank can be particular about approvals, especially for those with many recent credit inquiries. Redemption options might be less flexible than some competitors.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- U.S. Bank Altitude Go Visa Signature Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0