Citi Premier vs US Bank Altitude Connect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Altitude Connect wins 2-0. No-fee 4x travel — rare combination of no fee + premium earn rate. Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..
Side-by-side
| Criterion | Citi Premier | US Bank Altitude Connect |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 4% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = 50,000 points after $2,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
US Bank Altitude Connect
- 4x on travel + gas + EV charging stations
- 2x at restaurants + grocery + streaming
- 1x on everything else
- $30 annual streaming credit
- No annual fee, no foreign transaction fees
- Cell phone protection
FAQ
›Citi Premier vs US Bank Altitude Connect: which is better?
US Bank Altitude Connect wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Premier for its best categories, US Bank Altitude Connect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Premier: 60,000 ThankYou points after $4,000 in 3 months. US Bank Altitude Connect: 50,000 points after $2,000 spend in 120 days.