U.S. Financial institution Enterprise Altitude Join Visa Signature Card overview
The U.S. Financial institution Enterprise Altitude® Join Visa Signature® Card is a stable alternative for enterprise homeowners excited about dipping their toes into premium advantages and excessive incomes charges at a modest $0 introductory annual price for the primary yr (then $95 thereafter). Nevertheless, if you’re searching for extra perks, you could be higher off with an alternative choice. Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The U.S. Financial institution Enterprise Altitude Join is a stable journey rewards card because it offers bonus factors on travel-related purchases, airport lounge privileges and assertion credit for ride-hailing companies.
The cardboard earns factors that may be redeemed for journey, deposits to a qualifying U.S. Checking account or reward playing cards, amongst different choices. To extend candidates’ probabilities of approval for this card, we suggest that they’ve a minimal credit score rating of 670.
Let’s get into the small print and see if this card could possibly be an excellent choice on your pockets.
U.S. Financial institution Enterprise Altitude Join execs and cons
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U.S. Financial institution Enterprise Altitude Join welcome supply
New candidates for the U.S. Financial institution Enterprise Altitude Join can earn 60,000 bonus factors after spending $6,000 on eligible purchases throughout the first 180 days from account opening.
This bonus offers good worth for a card with no annual price for the primary yr.
It is very important word that the cardboard’s redemption choices are restricted since you possibly can’t switch to companions like its opponents.
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Due to this, the most effective redemption you will get with this supply is at a hard and fast charge of 1 cent per level for journey, making the bonus price $600.
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U.S. Financial institution Enterprise Altitude Join advantages
The U.S. Financial institution Enterprise Altitude Join offers a stable suite of advantages, particularly contemplating its $0 introductory annual price for the primary yr ($95 thereafter).
For one, enterprise vacationers obtain a Precedence Go Digital annual membership to entry greater than 1,700 lounges and 4 complimentary visits every membership yr. It is a nice perk for frequent vacationers who need a card with lounge entry for a modest annual price.
Cardholders on the go can even obtain $25 in assertion credit after making no less than one ride-hailing-service buy with a supplier comparable to Uber or Lyft (or perhaps a taxi service) on the cardboard throughout three consecutive months.
The U.S. Financial institution Enterprise Altitude Join is a wonderful card to take overseas because it would not cost international transaction charges.
Enterprise homeowners additionally obtain useful monetary instruments like U.S. Financial institution Spend Administration — a platform for monitoring and managing bills — and entry to a brand new cardmember $0 price supply on ExtendPay Plans opened throughout the first 60 days of account opening.
Plus, cardholders who additionally maintain the non-public U.S. Financial institution Altitude® Join Visa Signature® Card can switch factors between their enterprise and private playing cards to construct up a mixed stability extra shortly.
The knowledge for the U.S. Financial institution Altitude Join has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
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Incomes factors with the U.S. Financial institution Enterprise Altitude Join
The U.S. Financial institution Enterprise Altitude Join shines with its excessive incomes charges throughout common spending classes for enterprise homeowners.
With this card, you may earn:
- 5 factors per greenback spent on automotive leases and resorts booked immediately within the Journey Middle
- 4 factors per greenback spent on journey, together with airfare and resorts, on fuel and at electrical car charging stations (excluding low cost shops/supercenters and wholesale golf equipment) and at resorts on the primary $150,000 in mixed annual spend
- 2 factors per greenback spent on cellphone companies, eating, restaurant supply and takeout
- 1 level per greenback spent on all different purchases
The U.S. Financial institution Enterprise Altitude Join covers an enormous vary of frequent purchases, particularly for enterprise homeowners who journey regularly.
The journey class contains a number of varieties of journey, because it earns bonus factors on EV charging and fuel along with airfare and resorts. The addition of a bonus class for cellphone companies can also be a pleasant contact.
Factors earned on the U.S. Financial institution Enterprise Altitude Join do not expire so long as your account is lively.
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Redeeming factors with the U.S. Financial institution Enterprise Altitude Join
The factors earned with the U.S. Financial institution Enterprise Altitude Join are straightforward to redeem, which could possibly be seen as a constructive or a unfavourable, relying on the way you wish to ebook journey.
That is as a result of these factors aren’t the versatile journey rewards you’ll have come to count on with different playing cards. As an alternative, you can redeem factors earned with the U.S. Financial institution Altitude Join at a hard and fast 1 cent per level charge for journey and 0.8 cents apiece for different redemptions, comparable to money again, buying at Amazon and PayPal, and people made via the Actual-Time Rewards choice.
These are easy choices for freshmen however could possibly be seen as restrictive in the event you’re making an attempt to maximise your rewards.
As an illustration, TPG’s October 2025 valuations deem Chase Final Rewards factors, which you’ll be able to earn with a card just like the Ink Enterprise Most well-liked® Credit score Card, as price 2.05 cents apiece. So, 100,000 Final Rewards factors could possibly be redeemed for as much as $2,050 in journey, particularly in the event you leverage switch companions.
The knowledge for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Nevertheless, because the U.S. Financial institution Enterprise Altitude Join offers a fixed-value redemption choice, 100,000 factors earned with this card are price simply $1,000 — it doesn’t matter what. So, it is price contemplating whether or not you wish to maximize your rewards or in the event you want easy redemption choices from a card.
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Which playing cards compete with the U.S. Financial institution Enterprise Altitude Join?
As a travel-oriented enterprise card, the U.S. Financial institution Enterprise Altitude Join has a number of opponents.
For extra choices, see our record of the greatest enterprise playing cards.
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Is the U.S. Financial institution Enterprise Altitude Join price it?
Enterprise homeowners who wish to earn bonus rewards on a various array of purchases would profit from including the U.S. Financial institution Enterprise Altitude Join to their pockets. Crucial elements to think about are the cardboard’s redemption choices. Frequent vacationers could also be higher off with a card that earns extra versatile rewards.
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Backside line
The U.S. Financial institution Enterprise Altitude Join offers stable perks, incomes charges and respectable redemption choices for enterprise homeowners who do not wish to pay a excessive annual price. Vacationers who wish to maximize their rewards functionality could wish to look elsewhere.
Award journey freshmen and enterprise homeowners who worth simplicity are prone to get probably the most out of this card.
Apply right here: U.S. Financial institution Enterprise Altitude Join Visa Signature Card