U.S. Bank Business Altitude Connect Visa Signature
U.S. Bank, Visa, $95 annual fee. Earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: EV charging (#3, $4.00 per $100).
- A year's rewards: about $432, or $337 after the fee.
Is the annual fee worth it?
It earns about $432 a year on the illustrative household's spending, which is $337 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $721 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 5% | Only through the issuer's travel portal. Prepaid hotels and car rentals booked in the U.S. Bank Travel Center |
| Flights, Hotels, Car Rental, Gas Stations, EV Charging | 4% | Up to $150,000 per year, then the base rate. Airlines, hotels and car rentals booked directly, gas and EV charging — $150,000 a calendar year combined |
| Restaurants & Bars, Food Delivery, Phone & Internet | 2% | Dining, takeout, restaurant delivery and cell phone service |
| Everything else | 1% |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #3 of 117 for EV charging — $4.00 per $100
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $72 |
| Gas Stations | $72 |
| Groceries | $60 |
| Everything Else | $60 |
| Flights | $48 |
| Hotels | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Similar cards
- American Express Blue Cash Preferred — annual fee $95 a year
- Navy Federal Flagship Premier Visa Signature — annual fee $95 a year
- PenFed Pathfinder Rewards — annual fee $95 a year
- Bank of America Premium Rewards — annual fee $95 a year
- Every cash back card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.