US
US Bank
US Bank Altitude Connect
VISA
🇺🇸 United States · US Bank

US Bank Altitude Connect

No-fee 4x travel — rare combination of no fee + premium earn rate.

4.4 / 5
Joining fee
$0
Annual fee
$0
Top reward
4%
Min income

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5-year value calculator

How much US Bank Altitude Connect actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$396
Annual feeNo fee
Welcome bonus (year 1 only)+$2,000
Cumulative net value
+$3,980
over 5 years
Year 1
$2,396
+$2,396/yr
Year 2
$2,792
+$396/yr
Year 3
$3,188
+$396/yr
Year 4
$3,584
+$396/yr
Year 5
$3,980
+$396/yr
Year 1 (with bonus)
$2,396
Year 2+ (steady state)
$396/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
4%
📈
dining
2%
📈
Everything else
1%
📈
🎁
Welcome bonus

50,000 points after $2,000 spend in 120 days

What you get

  • 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

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
700+
Self-employed
Eligible