5X points

Hotel and car rentals are 5X more rewarding when booked directly in the Rewards Center.2

4X points

Earn 4X points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend.

2X points

Get 2X points on dining, takeout, restaurant delivery and cell phone services and 1 point for all other purchases.

Rewards calculator

Calculate your benefits.

Enter your projected monthly spend below to estimate your potential points. All fields are optional.

Apply now

Embrace travel that benefits your business.

Low annual fee

$0 introductory annual fee for the first year and $ per year thereafter. Plus, free employee cards. 

Earn 60,000 bonus points1

With the Business AltitudeTM Connect Card, you can earn 60,000 points worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

Save on foreign transaction fees

Enjoy no foreign transaction fees when making purchases outside the United States.

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Transfer points with your personal card

Do you also have a personal U.S. Bank Altitude® Go or Altitude® Connect card? Transfer points between your business and personal Altitude cards so you can redeem points sooner.3

Airport lounge access 

Priority PassTM Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.4

Pay over time with a U.S. Bank ExtendPay® Plan.

Divide eligible purchases5 into equal monthly payments with no interest6 during your chosen repayment period – just a small, fixed monthly fee.5

Apply now

Earn more for your business when you hail a ride.

As a cardmember you'll receive a $25 statement credit after every three consecutive monthly taxi or rideshare transactions paid for with your card.7

Awarded Best Gas Rewards Credit Card

Awarded best gas card by Wallethub

Apply for the card that earned WalletHub’s Best Gas Rewards Credit Card Award.

 

Apply Now

Frequently asked questions

Applying for a U.S. bank business credit card is quick and easy.  In addition to questions about yourself such as your name, address, date of birth, Social Security number/ITIN and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start.

Business structure (examples; Sole-Proprietorship, Corporation, Partnership, etc.)

  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list)

Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business.  We use this information to verify their identity, but it will not affect their credit.

  • Name
  • Address
  • Date of Birth
  • Social Security Number/ITIN

Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each.   We use this information to verify their identity, but it will not affect their credit.  You can also easily add or remove employee cards later if you are approved for a business card.

  • Name
  • Date of birth
  • Social Security Number/ITIN
  • Anticipated monthly spend on the card

Yes. Points are redeemable toward merchandise, gift cards, cash back,8 travel and more. 1 point = $0.01 in value when redeemed in the Rewards Center for your choice of rewards.

The Business Altitude Connect Card can give you peace of mind with auto rental collision damage waiver, lost luggage insurance and travel assistance services. Plus, you’ll enjoy access to over 1,300 airport lounges worldwide with your Priority Pass™ Digital membership, including four complimentary visits each membership year.

Yes. Your U.S. Bank Business Altitude Connect Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional points while shopping online at over 1,100 stores using your U.S. Bank card. Earn points on your credit card and then earn additional points by shopping through the Rewards Center Shopping Deals.

Log in at usbank.com. Click on Shopping Deals in the Rewards Center and start shopping. By using the Rewards Center Shopping Deals on your Business Altitude Connect Card, you will be able to earn more points by shopping online.

No, points never expire on your Business Altitude Connect Card.

Yes. Your Business Altitude Connect Card is eligible for Real Time Rewards, a redemption method that enables you to instantly turn your business purchases into rewards. Your mobile device can be used to immediately redeem points earned on your U.S. Bank card in the form of a credit to your monthly billing statement.

Once enrolled, redemption is quick and easy. Make a purchase on your Business Altitude Connect Card, and you will receive a text with the option to redeem points toward that purchase. Reply ‘REDEEM’ to complete the redemption.

You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your rewards balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details

U.S. Bank ExtendPay Plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

If your business card account is eligible for an ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.

Compare business credit card benefits.

Compare rewards, annual fees, and welcome offers for up to three business credit cards.

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Start of disclosure content

Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Start of disclosure content

  1. One-time 60,000 bonus points will be awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner's Card within 180 days from account opening. The Account Owner's Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Please allow 6-8 weeks for your bonus points to be credited to your account. Existing and previous Business Altitude Connect accounts do not qualify for bonus points for a similar account type. One-time bonus points do not apply toward account upgrades. Use of the Business Altitude Connect Rewards card is subject to terms and conditions of the Business Altitude Connect Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Subject to credit approval.

  2. Points are earned on eligible Net Purchases. Account must be open and current (that is, no Minimum Payment is past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank Business Altitude Connect Cardmember Agreement, which may be amended from time to time. U.S. Bank Business Altitude Connect Cardmembers will earn one (1) Point for every $1 in eligible Net Purchases. You will earn additional Points for the following Net Purchases: You will earn four (4) additional Points for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Business Altitude Connect Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional Points for that category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details. You will earn three (3) additional Points for each $1 on the first $150,000 spent during each account calendar year on combined eligible Net Purchases made directly with merchants that are classified as a travel category transaction (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies) and for purchases made with merchants classified as a gas station or electric vehicle charging station. After $150,000 is spent on combined purchases during the calendar year in these categories, you will earn 1 Point for each $1 spent, with no maximum. You will earn one (1) additional Point for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a restaurant, fast-food restaurant or bar, and cellphone provider, with no maximum.

  3. Certain conditions and limitations apply. Complete Reward Program Rules will be provided once you become a cardmember.

  4. Certain terms, conditions and exclusions apply. Please visit prioritypass.com/usbankbusinessconnect to enroll for Priority Pass Digital and for further details. Offers vary by location. View terms and conditions at prioritypass.com/en/conditions-of-use.

  5. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.

  6. The APR may vary. The current variable APR for purchases and balance transfers is $ (based on your creditworthiness). The variable APR for cash advances is 29.99%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 3% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The intro annual fee is $0 for the first year and every year after it will be $95 for the account owner. Foreign transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

  7. An automatic statement credit of $25 will be applied to your Account within two (2) statement billing cycles following three (3) consecutive months in which at least one (1) eligible rideshare service purchase was made directly with a rideshare provider such as Uber and Lyft, including taxi services. Eligible rideshare service providers are identified by their Merchant Category Code (MCC). We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion of all or any rideshare services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit.

  8. Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account only.