US Bank
Business Altitude Connect
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Card review
Business Altitude Connect
US Bank
Last updated October 7, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
75,000 pts welcome offer
Est. net value
$760/yr
Credit score
Varies
Top earn rate
5x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Business Altitude Connect from US Bank carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $829.92 in rewards plus $25.00 in credits and perks — $759.92 net per year before welcome bonuses.
How the points work
5x points on prepaid car rental and hotels when booked through the U.S. Bank Rewards Center
4x points on the first $150,000 in annual spend on travel expenses paid directly to providers such as airfare and hotels, plus on gas and EV charging
2x points on dining, takeout, restaurant delivery and cell phone services
1X points for all other net purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelHotels | 5× |
| Everything elseCar rentals | 5× |
| TravelTravel | 4× |
| DiningDining | 2× |
| Everything elseCell Phone Providers | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
75,000 points
- Spend $6,000 in 180 days
- Est. value: $975 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Rideshare Credit$25/yr
$25 statement credit after three consecutive monthly taxi or rideshare transactions paid for with your card.
Benefits & perks
- Rideshare Credit$25/yr
$25 statement credit after three consecutive monthly taxi or rideshare transactions paid for with your card.
- No annual fee for employee cards
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$95
- Stated credits
- +$25
- Perks (est.)
- +$0
- Net after credits & perks
- -$70
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.