Our illustration, not the card’s design
US Bank credit card
U.S. Bank Altitude® Connect Visa Signature® Card
No annual fee. 20,000 Points after you spend $1,000 in 3 months. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · usbank.com
“One-time 20,000 bonus Points will be awarded if you are approved for a new U.S.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · onboarding.usbank.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · onboarding.usbank.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
US Bank’s terms
Welcome offer
20,000 Points
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Must be approved for a new card and complete the spending requirement within 90 days of account opening. Please allow 1–2 billing cycles for bonus points to be credited.
- Smaller than about 65% of the 44 other Points bonuses we track.
Who can get it: If you’ve had this bonus in the last 60 months (5 years), you can’t get it again yet.
“Bank Altitude Connect Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $405 | $205 | |
| Typical spender | $735 | $535 | |
| Heavy spender | $1,580 | $1,380 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; not counted: 5x prepaid hotels booked directly in the Travel Center.
$205a year
$405 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$535a year
$735 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$1,380a year
$1,580 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x prepaid hotels booked directly in the Travel Center; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 95% of the 732 cards we track.
- No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 100% of the 50 cards on our 0% intro APR list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$220 a year
- CareCredit MastercardSynchrony · No annual fee+$175 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$160 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5×
- prepaid hotels booked directly in the Travel Centerprepaid car rentals booked directly in the Travel Center
- 4×
- travel (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies)gas stations/EV charging stations
- 2×
- dining (restaurant, fast-food restaurant and bar purchases)streaming services (qualifying streaming subscription services)grocery stores (grocery store and supermarket)
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com “0% introductory APR for the first 15 billing cycles.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · usbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · usbank.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 60 months (5 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · onboarding.usbank.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · onboarding.usbank.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 15 billing cycles. · onboarding.usbank.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 Points after $1,000 in purchases in 3 months. · usbank.com, since Oct 3, 2026