Points · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
U.S. Bank Altitude Connect Visa Signature is a no-annual-fee points card from U.S. Bank. Its best everyday rates are 4x on gas stations, 4x on travel, and 2x on dining; everything else earns 1x. The 5x rate applies only to car rentals booked through U.S. Bank, so treat it as a bonus rather than the reason to apply. Gas stations is capped at $1,000 a quarter, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $546, an effective 2.2% back. The welcome bonus, 20,000 points after $1,000 in 90 days, adds to the first year's return.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
5X points on car rentals booked directly in the Altitude Rewards Center
2X points on, dining
Cap: $1,000 per quarterly
4X points at gas stations and EV charging stations
2X points at grocery stores and grocery delivery
5X points on prepaid hotels booked directly in the Altitude Rewards Center
2X points on streaming services
4X points on travel
Earn 20,000 bonus points - just spend $1,000 in Net Purchases in the first 90 days.
Complimentary Priority Pass™ Select membership gives you 4 free visits to over 1,300 airport VIP lounges and experiences worldwide.
Enjoy up to $120 in statement credits to reimburse your application fee once every four years.
Special access to unforgettable experiences – from fine wine and food events, luxury hotels and premium car rental service to sporting events, shopping and more.
These come from Visa, not from U.S. Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Complimentary Priority Pass™ Select membership gives you 4 free visits to over 1,500 airport VIP lounges and experiences worldwide.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| U.S. Bank Altitude® Connect Visa Signature®This card · 4x on gas stations | None | $546 | +$546 | 275th of 1,284 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank's most-held other card · 5% on department stores | None | $642 | +$642 | 8th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
