We love good rewards programs on our credit cards, don’t we? That’s why the US Bank Altitude Connect Signature came to mind: this card option offers some interesting rewards and perks for anyone with a decent credit score. There are points for some great categories, including traveling and everyday use, such as groceries and gas stations.
This is a new addition to the US Bank Altitude credit card line, so you certainly should give it a chance to prove its value. While this credit card can be very useful, we’d like to warn you this isn’t for beginners. As long as you pay attention to purchasing categories and track your spending, you should be able to get a lot of perks out of it.
We have some good news about this credit card for those who are looking for a way out of high annual fees: you’ll have the first year without an annual fee at all. Do you want to understand how this credit card works, why you should get it and its main perks? Keep reading to find out everything you need to know about the US Bank Altitude Connect Signature Visa!
US Bank Altitude Connect Signature Visa
50.000 bonus points No annual fee for 12 monthsHow does the US Bank Altitude Connect Signature Visa
The US Bank Altitude Connect Signature Visa is a conventional rewards credit card. It allows people who spend a lot on travel, groceries or even some streaming services to get more value for their money and comes with some good perks. At least if you keep spending in those categories.
Actually, spending is one of the best ways to enjoy this credit card more. After all, you can earn $500 through the intro bonus offer after spending enough in the first few months. And this is just one of the reasons many people try to get approval for this credit card.
You’ll earn points for every dollar spent, but we’ll get into the details a bit further ahead. What you must know is that it’s worth it for most credit card users, so if you have a good enough credit score you’ll be able to enjoy it quite a bit.
About the US Bank, should you trust it?
The US Bank is the fifth largest in the country and has headquarters in Minnesota. Its been around since 1863 and has been providing all sorts of services for individuals and companies for decades, making it one of the most trusted banks around.
When it comes to credit cards, you can easily trust the US Bank with your money. Not only will you be able to look for help using their online and phone services, but you’ll also be able to look for their brick and mortar units in 25 American states.
You can also combine your credit card with a US Bank deposit or savings accounts for more benefits.
Main benefits of the US Bank Altitude Connect Signature Visa
Why exactly should anyone get the US Bank Altitude Connect Signature Visa? For starters, the more you spend with it, the more rewards you’ll get. It’s also a fairly low maintenance credit card, since it doesn’t come with an annual fee. Other advantages include:
- Up to 5 points per dollar as reward for eligible purchases;
- 50.000 bonus points after spending $2000 in eligible purchases within the first 120 days;
- $30 credit to use on the streaming service of your choice;
- $100 statement credit every 4 years;
- Cell Phone protection as long as you pay your phone bills with the credit card;
- $0 intro annual fee;
- 1 point per dollar for all purchases.
As you can see, the main draw for the US Bank Altitude Connect Signature Visa is its rewards program. But it isn’t something for beginners. Those who are just starting with a rewards card might want a simpler one to get the hang of it. There are many details to pay attention to when spending with the US Bank Altitude Connect to make sure you’re getting as many points as possible.
How does the rewards program work?
Everything depends on how you spend your money. Getting pre-paid hotel stays and rental cars is the option that earns some of the best results, which is 5 points per dollar. But you must book using the Altitude Rewards Center to have access to this bonus.
Travel and gas stations bought and paid for in the normal way will earn you 4 points per dollar, which is reasonably high. Including higher than many of the US Bank Altitude Connect Signature Visa’s competitors.
If you spend only at grocery stores and dining there’s still something for you. These purchases earn 2 points per dollar. You can get this amount by subscribing to streaming services as well.
All other eligible purchases earn 1 point per dollar.
Is there an intro offer?
Any great rewards credit card can hook you by using a great intro offer. It isn’t any different with the US Bank Altitude Connect Signature Visa. For starters, you’ll get no annual fee for 12 billing cycles. There’s also a 50.000 points reward for anyone that spends at least $2.000 after 120 days of opening an account.
The only downside here is that there isn’t an intro APR, as is the case with some similar credit cards. But you’ll still be able to make great use of the intro offers we just mentioned.
Streaming credit
Did you know you can get Netflix or other streaming services for free by using the US Bank Altitude Connect Signature Visa to subscribe? Every year you’ll have a $30 reward to use on these services, so make your choice wisely.
Interest rates and fees
Of course there are some interest rates you’ll have to be aware of with the US Bank Altitude Connect Signature Visa. Check them out below:
- 17,49% to 25,49% variable interest rate;
- $0 annual fee for the first year, $95 afterwards;
- 3% or $5 balance transfer fee;
- 5% or $10 cash advance fee.
If you think this is the credit card for you, just visit the US Bank Altitude Connect Signature Visa website and get your offer today.
Considerations:
- Annual Fee After First Year: $95 can be high, so ensure the rewards outweigh this cost.
- Complex Rewards Structure: Requires tracking of spending categories to maximize rewards.
If you’re confident in your spending habits and can make the most of the high rewards in travel, gas, and other categories, the US Bank Altitude Connect Signature Visa could be a valuable addition to your wallet. However, if you prefer a simpler rewards program, there might be other cards that fit your needs better.
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