U.S. Financial institution Enterprise Altitude Join Visa Signature Card overview
The U.S. Financial institution Enterprise Altitude® Join Visa Signature® Card is a strong alternative for enterprise house owners desirous about dipping their toes into premium advantages and excessive incomes charges at a modest $0 introductory annual charge for the primary yr (then $95 thereafter). Nonetheless, in case you are searching for extra perks, you could be higher off with an alternative choice. Card ranking*: ⭐⭐⭐
*Card ranking 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 strong journey rewards card because it gives 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’ possibilities 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 may very well be a great choice on your pockets.
U.S. Financial institution Enterprise Altitude Join professionals and cons
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U.S. Financial institution Enterprise Altitude Join welcome provide
New candidates for the U.S. Financial institution Enterprise Altitude Join can earn 60,000 bonus factors after spending $6,000 on eligible purchases inside the first 180 days from account opening.
This bonus gives good worth for a card with no annual charge for the primary yr.
It is very important observe 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, the perfect redemption you may get with this provide is at a hard and fast charge 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 gives a strong suite of advantages, particularly contemplating its $0 introductory annual charge for the primary yr ($95 thereafter).
For one, enterprise vacationers obtain a Precedence Move 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 desire 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 very 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 superb card to take overseas because it does not cost international transaction charges.
Enterprise house owners 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 provide on ExtendPay Plans opened inside 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 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 supplied 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 house owners.
With this card, you will earn:
- 5 factors per greenback spent on automotive leases and motels booked immediately within the Journey Middle
- 4 factors per greenback spent on journey, together with airfare and motels, on fuel and at electrical automobile charging stations (excluding low cost shops/supercenters and wholesale golf equipment) and at motels on the primary $150,000 in mixed annual spend
- 2 factors per greenback spent on cellphone providers, 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 house owners who journey continuously.
The journey class contains a number of forms of journey, because it earns bonus factors on EV charging and fuel along with airfare and motels. The addition of a bonus class for cellphone providers 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 energetic.
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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 may very well be seen as a constructive or a unfavourable, relying on the way you wish to e book journey.
That is as a result of these factors aren’t the versatile journey rewards you might have come to anticipate with different playing cards. As an alternative, you’ll 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, resembling money again, procuring at Amazon and PayPal, and people made by way of the Actual-Time Rewards choice.
These are easy choices for freshmen however may very well be seen as restrictive in case you’re attempting 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 may very well be redeemed for as much as $2,050 in journey, particularly in case you leverage switch companions.
The knowledge 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 supplied by the cardboard issuer.
Nonetheless, for the reason that U.S. Financial institution Enterprise Altitude Join gives a fixed-value redemption choice, 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 in case you favor 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 extra choices, see our listing of the perfect enterprise playing cards.
Associated: Chase Ink Enterprise Most popular vs. Amex Enterprise Platinum: Practicality vs. luxurious
Is the U.S. Financial institution Enterprise Altitude Join value it?
Enterprise house owners 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. 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 gives strong perks, incomes charges and respectable redemption choices for enterprise house owners who do not need to pay a excessive annual charge. Vacationers who need to maximize their rewards functionality might need to look elsewhere.
Award journey freshmen and enterprise house owners 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
