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 selection for enterprise homeowners desirous about dipping their toes into premium advantages and excessive incomes charges at a modest $0 introductory annual charge for the primary 12 months (then $95 thereafter). Nevertheless, in case you are searching for extra perks, it’s possible you’ll be higher off with an alternative choice. Card score*: ⭐⭐⭐
*Card score relies 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 providers.
The cardboard earns factors that may be redeemed for journey, deposits to a qualifying U.S. Checking account or present 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 main points and see if this card might be possibility to your pockets.
U.S. Financial institution Enterprise Altitude Join execs and cons
Elevated incomes charges in widespread bonus classes, resembling airfare, eating, fuel and inns
Precedence Cross airport lounge entry (4 complimentary visits per membership 12 months)
Assertion credit for ride-hailing or taxi providers
$95 annual charge after the primary 12 months
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 charge for the primary 12 months.
It is very important be aware that the cardboard’s redemption choices are restricted since you’ll be able to’t switch to companions like its rivals.
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Due to this, one of the best redemption you will get with this supply is at a set fee of 1 cent per level for journey, making the bonus value $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 charge for the primary 12 months ($95 thereafter).
For one, enterprise vacationers obtain a Precedence Cross Digital annual membership to entry greater than 1,700 lounges and 4 complimentary visits every membership 12 months. This can be a nice perk for frequent vacationers who need a card with lounge entry for a modest annual charge.
Cardholders on the go will even obtain $25 in assertion credit after making at the least one ride-hailing-service buy with a supplier resembling 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 charge 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 steadiness extra rapidly.
The data 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 widespread spending classes for enterprise homeowners.
With this card, you may earn:
5 factors per greenback spent on automotive leases and inns booked instantly within the Journey Center4 factors per greenback spent on journey, together with airfare and inns, on fuel and at electrical automobile charging stations (excluding low cost shops/supercenters and wholesale golf equipment) and at inns on the primary $150,000 in mixed annual spend2 factors per greenback spent on cellphone providers, eating, restaurant supply and takeout1 level per greenback spent on all different purchases
The U.S. Financial institution Enterprise Altitude Join covers an enormous vary of widespread purchases, particularly for enterprise homeowners who journey often.
The journey class consists of a number of varieties of journey, because it earns bonus factors on EV charging and fuel along with airfare and inns. The addition of a bonus class for cellphone providers can 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 simple to redeem, which might be seen as a optimistic or a unfavorable, relying on the way you prefer to guide journey.
That is as a result of these factors aren’t the versatile journey rewards you might have come to count on with different playing cards. As a substitute, you can redeem factors earned with the U.S. Financial institution Altitude Join at a set 1 cent per level fee for journey and 0.8 cents apiece for different redemptions, resembling money again, procuring at Amazon and PayPal, and people made by means of the Actual-Time Rewards possibility.
These are easy choices for newbies however might be seen as restrictive for those who’re making an attempt to maximise your rewards.
As an illustration, TPG’s October 2025 valuations deem Chase Final Rewards factors, which you’ll earn with a card just like the Ink Enterprise Most popular® Credit score Card, as value 2.05 cents apiece. So, 100,000 Final Rewards factors might be redeemed for as much as $2,050 in journey, particularly for those who leverage switch companions.
The data for the Ink Enterprise Most popular 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, for the reason that U.S. Financial institution Enterprise Altitude Join offers a fixed-value redemption possibility, 100,000 factors earned with this card are value simply $1,000 — it doesn’t matter what. So, it is value contemplating whether or not you need to maximize your rewards or for those who 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 rivals.
For added choices, see our record of one of the best enterprise playing cards.
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Is the U.S. Financial institution Enterprise Altitude Join value it?
Enterprise homeowners who need 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. An important components 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 need to pay a excessive annual charge. Vacationers who need to maximize their rewards functionality could need to look elsewhere.
Award journey newbies and enterprise homeowners who worth simplicity are prone to get essentially the most out of this card.
Apply right here: U.S. Financial institution Enterprise Altitude Join Visa Signature Card
