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The U.S. Bank Altitude Connect Visa Signature Card has quickly become a standout option for those seeking a credit card packed with rewards and travel perks. This product promises to deliver value for travelers.
Want to know what makes this card a compelling choice for people? In this U.S. Bank Altitude Connect Visa Signature Card review, we’ll dive into the key features, pros, and cons of this card to help you determine if it’s the right fit for your wallet. Let’s dive in!
Features of the U.S. Bank Altitude Connect Visa Signature
The U.S. Bank Altitude Connect Visa Signature Card comes packed with great features that enhance your travel experience. One of the highlights is airport lounge access.
With the complimentary Priority Pass Select membership, you get four free visits to over 1,600 VIP airport lounges around the world. This makes those long layovers or early departures much more comfortable, allowing you to relax in style.
Another major perk is the TSA PreCheck or Global Entry benefit. Every four years, you can receive up to $100 in statement credits towards your application fee for either service. This means smoother, quicker security checks, helping you save time and skip the lines at the airport.
If you’re interested in flexible payment options, the card also offers the U.S. Bank ExtendPay Plan. As a new cardholder, you can take advantage of a $0 fee offer on ExtendPay Plans that you open within the first 60 days of having the card. This allows you to pay for large purchases over time without extra fees during that initial period.
For those who need to stay connected while traveling, the U.S. Bank Altitude Connect Visa Signature Card offers global connectivity through complimentary GigSky mobile data plans in over 125 countries. You can stay in touch, access your maps, or check emails with ease, no matter where your journey takes you.
Finally, the card offers travel protections like trip cancellation/interruption coverage, trip delay reimbursement, and smart delay services. These benefits ensure you’re covered if your travel plans hit a snag, giving you peace of mind on the road.
Pros and Cons of the US Bank Altitude Connect Visa Signature
This U.S. Bank Altitude Connect Visa Signature Card has its upsides and downsides. Let’s explore.
Benefits
Here are the benefits:
- Visa Signature benefits: Provide you access to exclusive experiences like luxury hotels, premium car rentals, and special events.
- Shopping Deals: Through this, you earn extra points by shopping online at over 1,100 stores with your Altitude Connect Card.
Cons
Here are the downsides of the U.S. Bank Altitude Connect Visa Signature:
- Complicated Points and Rewards System: The points and rewards structure can be confusing for users, making it difficult to understand how to maximize benefits.
- Poor Customer Service: Some customer reviews indicate dissatisfaction with the level of customer service, raising concerns about support when needed.
Rates and Fees
The U.S. Bank Altitude Connect Visa Signature Card offers a 0% introductory APR on balance transfers made within the first 60 days of after opening your account, which lasts for the first 12 billing cycles.
However, it’s important to note that this introductory rate does not apply to purchases or cash advances. After the introductory period, the APR may vary, with a current variable rate for purchases and balance transfers ranging from 17.49% to 28.49%, depending on your creditworthiness. For cash advances, the variable APR is set at 31.49%.
When it comes to fees, the U.S. Bank Altitude Connect Visa Signature has several to keep in mind. The cash advance fee is 5% of the amount advanced, with a $10 minimum, while convenience checks incur a fee of 3% of the check amount, with a $5 minimum.
If you’re looking to transfer a balance, there’s a 3% fee for each transfer, also with a $5 minimum. Additionally, there’s a $1 minimum interest charge if interest is due.
Fortunately, this U.S. Bank Altitude Connect Visa Signature Card has no annual fee and no foreign transaction fees. This can be a great perk for travelers, as you won’t be charged for foreign purchases or ATM withdrawals in either U.S. dollars or foreign currency.
For those utilizing the U.S. Bank ExtendPay Plan, keep in mind that there’s a monthly fee that won’t exceed 1.6% of the original principal amount of your plan or loan. This fee is fixed and disclosed upon enrollment, and it’s charged each month you have an outstanding ExtendPay balance.
Eligibility Criteria and Requirements
To be eligible for the U.S. Bank Altitude Connect Visa Signature Card, you must be a resident of the United States and at least 18 years old. Additionally, it’s important to have a credit score in the good to excellent range.
How to Apply for the U.S. Bank Altitude Connect Visa Signature?
Applying for the U.S. Bank Altitude Connect Visa Signature Card is a straightforward process. To get started, simply visit their website and fill out the application form. If you want to speed things up, you can log in to your account, which allows for a quicker application.
For an even more efficient experience, you have the option to securely prefill some of your information, like your name, date of birth, and address. All you need to do is provide a few details to initiate the process, and then you’ll receive a text to verify your device.
Once verified, you can continue with your application for the U.S. Bank Altitude Connect Visa Signature, without affecting your credit score.
You’ll need to enter some personal information, including your mobile number, which gives the bank permission to contact you regarding your application. If you prefer, you can also choose to apply manually.
The good news is that you can get a decision in as little as 60 seconds after submitting your application.
Conclusion
The U.S. Bank Altitude Connect Visa Signature Card presents a compelling option for individuals who frequently travel and want to maximize their rewards.
With an array of valuable features, this card enhances your overall travel experience. Just make sure to read the fine print and understand the terms to ensure it aligns with your spending habits and travel needs.
