🇺🇸 U.S. Bank Altitude Connect Visa Signature [A Long-Term Keeper]

Highlights

• No annual fee, no foreign-transaction fee, and solid cash-back-style earning
• Priority Pass: four visits per card year, full access, including restaurants
• Some travel insurance; paying only the taxes can still qualify

Who is this card for? This card is best for people who value no annual fee, no foreign transaction fees, and four Priority Pass visits per card year, including restaurant access. It also works well if you can use the travel, gas, and EV-charging earn categories; the travel insurance has flexible payment conditions but limited coverage, so it may not be enough if you want higher everyday rewards or more comprehensive protection.

Issuer: 🇺🇸 U.S. Bank
Network: Visa
Card type: Credit card
Annual fee: $0
No foreign-transaction fee

You earn points that cash out at 1¢ each.

Welcome offer

20,000 points (equal to $200 cash back) + 0% APR / balance transfers on the first 15 statements

• Spend $1,000 in the first 90 days

Apply 🔗

Everyday earning

5%: prepaid hotels and car rentals booked through the U.S. Bank Travel Center

4%: travel (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies)

4%: gas and EV charging, capped at the first $1,000 each quarter

2%: dining, groceries, and streaming

1%: everything else

Perks & insurance

• Priority Pass airport lounges (full access, restaurants included)

You get four lounge visits per card year. You and your guests share those four visits. A set meal at an airport restaurant also uses one visit per person.

Register on the Priority Pass partner page 🔗.

• SmartDelay flight-delay benefit: a 2-hour delay can get you into a lounge for free

When a flight has a qualifying major delay, you can use more than 1,800 designated airport lounges in more than 100 countries and 500 airports at no charge. The benefit covers you and up to 3 companions on the same itinerary.

Register the flight at least 2 hours before the scheduled departure. Register each segment separately, including the outbound and the return. After a successful registration you get a confirmation email. If the airline officially announces a qualifying delay, SmartDelay emails you vouchers for free lounge access.

Register a flight with SmartDelay 🔗

• Free GigSky, 5 GB for 15 days

A free 5 GB international roaming allotment each year. Claim it at https://www.gigsky.com/visa-usb-ac

Further reading: What is GigSky? A credit-card perk: free global eSIM roaming (2026)

• TSA PreCheck or Global Entry

$100 statement credit every four years

Travel Insurance

• Trip Cancellation Insurance

The trip-cancellation and interruption benefits share a maximum of $2,000.00 per insured person for non-refundable common-carrier tickets paid with the covered account and/or rewards programs linked to it. You, your spouse or domestic partner, and your dependent children qualify when the entire trip cost is paid with the account or its associated rewards program, less redeemable certificates, vouchers, or coupons.

• Trip Interruption Insurance

The trip-cancellation and interruption benefits share a maximum of $2,000.00 per insured person for non-refundable common-carrier tickets paid with this account and/or rewards programs linked to it. You, your spouse or domestic partner, and your unmarried dependent children must meet the same trip-payment condition.

• Travel Accident Benefit

As a cardholder, you, your spouse or domestic partner, and unmarried dependent children are automatically insured up to $1,000 for accidental loss of life, limb, sight, speech, or hearing.

• Trip Delay Reimbursement

If a Covered Trip purchased with your eligible account and/or its associated rewards program is delayed for more than 12 hours, reasonable additional expenses are covered up to $300.00 per purchased ticket. The benefit is limited to one claim per Covered Trip. You must pay either part or the entire common-carrier fare with the account to qualify.