U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Visa Premium Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: altitude-connect-visa-signature-card

Issuer: U.S. Bank

Card Name: U.S. Bank Altitude® Connect Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:22

Last Scraped: Jan 15, 2026 08:01

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x Travel, 4x Gas, 4x EV Charging, 2x Dining, 2x Streaming Services

Quarterly Rotating: No

Cap Amount: $150,000.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None beyond standard terms (e.g., minimum redemption amounts).

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Sign-Up Bonus
PENDING

50,000

Points/Miles

Requirement: Spend $2,000 in 120 days

Timing: Bonus points are typically credited to your account 6-8 weeks after the spend requirement is met.

Fee Structure
PENDING
Annual Fee: $95.00
Year 1 Waived: No
Effective Annual Fee: $65.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 850
Excellent
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 4

Min 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.

Cliff Effect Rules: While the Altitude Connect and Altitude Go cards are generally independent in terms of application, the U.S. Bank Altitude Reserve card often requires an existing U.S. Bank banking relationship (checking, savings, or investment account) for approval. Applying for multiple U.S. Bank cards too quickly will trigger the 2/12 rule, limiting new card approvals regardless of the specific Altitude card family.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0