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

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

This is a card issued by U.S. Bank. If you're wondering whether Altitude Connect Visa Signature is the right card for you, read on.

Key Takeaways

• Just spend $2,000 in the first 120 days. That's a $500 value redeemable toward merchandise, gift cards, cash back, travel and more. And your points never expire. $0 intro annual fee for the first year, $95/year thereafter.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 26.24%.
• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
• Annual fee waived the first year. U.S. Bank Altitude® Connect Visa Signature® Card gives you the chance to have the card for a year without paying the $0 annual fee.
• 3% Balance transfer fee. U.S. Bank Altitude® Connect Visa Signature® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Good or better credit required. You will have low approval odds if your credit score is below 720.

Pros & Cons of Altitude Connect Visa Signature

The Good	The Bad
Annual fee waived during the first year. No foreign transaction fee.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not report to credit bureaus. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Altitude Connect Visa Signature FAQ

Does Altitude Connect Visa Signature have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Altitude Connect Visa Signature?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

U.S. Bank Altitude® Connect Visa Signature® Card has a variable purchase APR that ranges from 18.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 26.24%. It also has a variable cash advance APR of 28.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Altitude Connect Visa Signature?

The following fees apply:

Altitude Connect Visa Signature Fees

Fees	Amount
Annual Fee	Starting at $0 up to $95
Foreign Transaction Fee	0%
Returned Payment Fee	$41
Late Payment Fee	$41

How to apply for Altitude Connect Visa Signature

• Visit the Altitude Connect Visa Signature website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.