| Category | Rate | Type | Cap |
|---|---|---|---|
|
Prepaid Hotels and Car Rentals (Travel Center)
5X points on prepaid hotels and car rentals booked directly in the U.S. Bank Altitude Rewards Travel Center. No spending cap applies to this category.
|
5x | Points | No cap |
|
Travel
4X points on all travel purchases including airfare, hotels, cruises, ridesharing, and transit not booked through the Travel Center. No spending cap applies.
|
4x | Points | No cap |
|
Gas Stations and EV Charging Stations
4X points on gas stations and EV charging stations on the first $1,000 in combined eligible purchases each quarter (then 1X); excludes discount stores/supercenters and wholesale clubs.
|
4x | Points | $4,000/yr |
|
Dining
2X points on dining purchases with no spending cap. Excludes purchases at discount stores/supercenters and wholesale clubs.
|
2x | Points | No cap |
|
Streaming Services
2X points on eligible streaming service purchases with no spending cap.
|
2x | Points | No cap |
|
Grocery Stores
2X points at grocery stores and grocery delivery with no spending cap. Excludes discount stores/supercenters such as Target and Walmart and wholesale clubs.
|
2x | Points | No cap |
|
Gas Stations and EV Charging Stations (Over Quarterly Cap)
1X points on gas station and EV charging purchases after the $1,000 quarterly spending cap is reached.
|
1x | Points | No cap |
|
All Other Purchases
1X points on all eligible purchases not covered by a higher bonus category. Unlimited with no spending cap.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
TSA PreCheck / Global Entry Application Fee Credit
Receive up to $100 in statement credits toward the application fee for TSA PreCheck ($85) or Global Entry ($100) once every four years when the fee is charged to the card. Only one program credit is available per four-year cycle.
|
Credits |
Up to $100 every 4 years
Up to $100
|
|
ExtendPay Plan — New Cardmember $0 Fee Offer
New cardmembers can open U.S. Bank ExtendPay Plans within the first 60 days after account opening with a $0 monthly plan fee, allowing eligible purchases of $100 or more to be split into fixed monthly installments. Standard monthly ExtendPay fees apply after the 60-day introductory window closes.
|
Financial | $0 plan fee for plans opened within first 60 days |
|
No Annual Fee
The card carries no annual fee following its 2024 product redesign, eliminating the previous $95 annual fee and making all card benefits available at zero annual cost.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States or in a foreign currency, making the card cost-effective for international travel and purchases from foreign merchants.
|
Financial | 0% foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Covers collision damage and theft of eligible rental vehicles when the full rental cost is charged to the card and the rental company's own CDW/LDW is declined at the counter. Coverage is secondary for domestic rentals and primary for international rentals; luxury, exotic, and antique vehicles are excluded.
|
Insurance | Up to actual cash value of most rental vehicles |
|
Extended Warranty Protection
Extends the original U.S. manufacturer's written warranty by 1 additional year on eligible items with warranties of 3 years or less when purchased entirely with the card. Coverage is limited to $10,000 per claim and $50,000 per cardholder per year.
|
Insurance |
1 additional year, up to $10,000 per claim
Up to $10,000
|
|
Purchase Protection
Covers eligible new purchases against theft and accidental damage for 90 days from the date of purchase when charged entirely to the card. Coverage is limited to $10,000 per claim and $50,000 per cardholder per year.
|
Insurance |
Up to $10,000 per claim
Up to $10,000
|
|
Shipt Membership
New cardmembers receive 3 months of complimentary Shipt membership for same-day delivery of groceries and household goods, followed by 9 months at 50% off the standard membership price. Enrollment is required to activate the benefit.
|
Lifestyle | 3 months free, then 9 months at 50% off |
|
Flexible Points Redemption
Altitude points can be redeemed through the U.S. Bank Altitude Rewards Center for travel bookings, merchandise, gift cards, charitable contributions, and deposits to an eligible U.S. Bank checking or savings account at 1 cent per point. Statement credit redemptions are valued at 0.8 cents per point.
|
Other | 1 cent per point for travel and U.S. Bank deposits |
|
U.S. Bank Mobile App and Online Banking Access
24/7 access to full account management, rewards viewing and redemption, transaction history, spending insights, and card controls via the U.S. Bank Mobile App and online banking at usbank.com.
|
Other | Complimentary |
|
Worldwide Visa Signature Acceptance
The card is accepted at millions of merchants worldwide wherever Visa is accepted, including online retailers and international merchants, with full Visa Signature-tier benefits and protections.
|
Other | Global acceptance |
|
1X Points on All Other Purchases
Earn 1X Altitude point per dollar on all eligible purchases not covered by a higher bonus category. No spending cap applies.
|
Rewards | 1X points, unlimited |
|
2X Points on Dining
Earn 2X Altitude points per dollar on dining purchases with no spending cap. Excludes purchases coded at discount stores/supercenters and wholesale clubs.
|
Rewards | 2X points, unlimited |
|
2X Points on Grocery Stores
Earn 2X Altitude points per dollar at grocery stores and grocery delivery services with no spending cap. Excludes purchases at discount stores/supercenters such as Walmart and Target and at wholesale clubs.
|
Rewards | 2X points, unlimited |
|
2X Points on Streaming Services
Earn 2X Altitude points per dollar on eligible streaming service purchases with no spending cap.
|
Rewards | 2X points, unlimited |
|
4X Points on Gas Stations and EV Charging Stations
Earn 4X Altitude points per dollar at gas stations and EV charging stations on the first $1,000 in combined eligible purchases each quarter (then 1X). Excludes purchases at discount stores/supercenters and wholesale clubs.
|
Rewards | 4X points (up to $1,000 per quarter) |
|
4X Points on Travel
Earn 4X Altitude points per dollar on all eligible travel purchases — including airfare, hotels, cruises, ridesharing, and transit — not booked through the Travel Center. No spending cap applies.
|
Rewards | 4X points, unlimited |
|
5X Points on Prepaid Hotels and Car Rentals (Travel Center)
Earn 5X Altitude points per dollar on prepaid hotels and car rentals booked directly in the U.S. Bank Altitude Rewards Travel Center. This earning tier is uncapped and requires no enrollment.
|
Rewards | 5X points, unlimited |
|
Charitable Contribution Points Match
When redeeming Altitude points for a monetary charitable contribution to an eligible nonprofit, U.S. Bank will match the contribution at 100%. Participating nonprofits and full terms apply.
|
Rewards | 100% match on charitable point redemptions |
|
Real-Time Rewards Redemption
After enrolling, cardholders receive a text message following qualifying purchases offering the option to instantly redeem available Altitude points as a statement credit toward that purchase. Available nearly anywhere the card is accepted.
|
Rewards | Complimentary |
|
Fraud Monitoring
U.S. Bank employs real-time fraud monitoring tools to detect abnormal or suspicious spending patterns and acts quickly to protect the cardholder's account from unauthorized use.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders bear no responsibility for unauthorized transactions if the card is lost or stolen, provided U.S. Bank is promptly notified. Certain conditions and limitations apply.
|
Security | 100% liability protection |
|
Baggage Delay Insurance
Reimburses the cost of essential purchases such as toiletries and clothing when checked baggage is delayed by a common carrier for a qualifying number of hours. Coverage applies when the card is used to purchase the travel fare.
|
Travel | Complimentary |
|
GigSky Global Mobile Data
Complimentary 5GB GigSky global mobile data plans available in 175+ countries via eSIM through the GigSky app; each plan is repeatable — a new 5GB plan becomes available every 30 days once the prior plan expires. Cardholders must register at gigsky.com/visa-usb-ac; the benefit is redeemable through November 30, 2026.
|
Travel | Complimentary 5GB per 30-day cycle |
|
Priority Pass Select Airport Lounge Access
Complimentary Priority Pass Select membership grants 4 free visits per Priority Pass membership year to 1,600+ airport VIP lounges and experiences worldwide. Additional visits beyond the 4 complimentary ones are subject to the standard per-visit fee charged by Priority Pass.
|
Travel | 4 free visits per membership year |
|
Roadside Dispatch
Pay-per-use 24/7 roadside assistance dispatch service connecting cardholders to a network of service providers for towing, tire changes, jumpstarts, lockout assistance, and emergency fuel delivery. A single fixed service fee per call applies regardless of services rendered.
|
Travel | Pay-per-use (fixed fee per service call) |
|
SmartDelay Lounge Access
Provides complimentary airport lounge access through SmartDelay when a pre-registered flight is delayed by 2 or more hours. Cardholders must register their flight at altitudeconnect.smartdelay.com at least 2 hours before departure; access vouchers are automatically delivered upon a qualifying delay and cover the cardholder and up to 3 additional passengers on the same itinerary.
|
Travel | Complimentary lounge access on qualifying delays |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage when the full travel fare is charged to the card. Applies to common carrier travel including flights, buses, trains, ships, and cruises.
|
Travel | Complimentary |
|
Travel and Emergency Assistance Services
24/7 referral assistance for medical, legal, and travel emergencies while away from home, including help replacing a lost passport, locating emergency medical care, and coordinating emergency transportation. Fees for referred third-party services are the cardholder's responsibility.
|
Travel | Complimentary referral service |
|
Trip Cancellation and Interruption Insurance
Reimburses non-refundable, prepaid travel expenses when a covered trip is cancelled or interrupted due to a qualifying reason such as illness, injury, or severe weather. The card must be used to secure the original travel transaction for coverage to apply.
|
Travel | Complimentary |
|
Trip Delay Reimbursement
Reimburses reasonable out-of-pocket expenses such as meals and lodging when a covered trip is delayed by a qualifying period due to a covered reason. The card must be used to purchase the travel ticket for coverage to apply.
|
Travel | Complimentary |
