Cards
Cash BackUS BankNo Annual Fee
US Bank Altitude Connect
Key facts
Annual feeNo annual fee
Rewards currencyUS Bank Points
Recommended creditGood – Excellent (720+)
Global Entry / TSA PreCheckCredit included
Current sign-up bonus
Earn 20,000 bonus points. Just spend $1000 in Net purchases in the first 90 days.≈ $200 value
Reward rates
5% Prepaid Hotels and Car Rentals booked via Altitude travel portal
4% on gas stations
2% on dining
2% on streaming services
2% on grocery stores
4% on Travel
1% on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Lounge Access
Priority Pass Select membership, complimentary 12-month enrollment for the primary cardholder, 4 complimentary lounge visits per year. Added to the card February 2023.
Trip Cancellation / Interruption (Unconfirmed)
$2,000 per person, covers prepaid common-carrier costs (flights/trains/bus) only -- hotel deposits, tours, and activity prepayments are excluded. No deductible.
Trip Delay (Unconfirmed)
$300 per ticket for reasonable expenses (meals/lodging), after a 12-hour delay, no deductible.
Other benefits
Annual Credits
Global Entry / TSA PreCheck: up to $100, resets Multi-year.
Earn Rates
5X points on prepaid hotels/rental cars booked through the US Bank Travel Center. 4X points on travel purchases generally. 4X points on gas station and EV charging purchases, capped at the first $1,000 spent per quarter (1X after cap). 2X points on dining, streaming services, and grocery stores. 1X point on all other eligible purchases.
Welcome Bonus
20,000 bonus points after spending $1,000 in eligible net purchases within the first 90 days. A temporary bump to 30,000 points/$1,000/90 days was seen in January 2026 but had already expired and reverted to 20,000 -- reverify at publish time since this offer fluctuates.
Transfer Partners
None -- cash back/no transfer program. Points redeem for cash, travel booked through the US Bank Altitude Rewards Center, gift cards, or merchandise.
Secondary Rental Car (Unconfirmed)
Auto Rental Collision Damage Waiver, secondary coverage, covers theft/collision damage up to the vehicle's Actual Cash Value. Must decline the rental agency's own CDW/LDW and charge the entire rental to the card. Exact dollar cap not independently confirmed against an official Guide to Benefits.
Primary Rental Car
None -- this card has Secondary coverage instead (see Secondary Rental Car).
Foreign Transaction Fee
$0 -- none.
Authorized User Fee (Unconfirmed)
Not disclosed as a fee anywhere -- no source mentions a charge. Treated as $0.
Best for
Travel PortalGasDiningStreamingGroceries
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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