U.S. Bank Altitude Connect vs U.S. Bank Smartly

Last updated Jun 17, 2026

U.S. Bank Altitude Connect

+$100

net / year

U.S. Bank Smartly

+$0

net / year

+ Add a card

Card shapes

Each card across six value dimensions (0–100). Bigger area = more all-round value.

U.S. Bank Altitude ConnectU.S. Bank Smartly

Perk	U.S. BankU.S. Bank Altitude ConnectU.S. Bank	U.S. BankU.S. Bank SmartlyU.S. Bank
Annual fee	$0 Inferred by source	$0 Inferred by source
Realized value*	$100	$0
Net / year	+$100	+$0
Value check	Earns its keep	Earns its keep
Rewards	points	cashback
Lounges	Priority Pass · 336enroll PP	—
Points & Miles	5× Prepaid hotels & cars via Altitude Rewards Center Inferred by source 4× Travel, gas & EV charging (up to $1,000/qtr) Inferred by source 2× Grocery, dining & streaming Inferred by source 1× Everything else Inferred by source	2× Every purchase (up to 4% with large U.S. Bank deposits) Inferred by source
Redemption Value	1¢ per pt Estimated by source	1¢ per pt Inferred by source
Hotel Perks	—	Smartly Earning Bonus Inferred by source
Credits	1 credit · $100/yr	—
Protections	trip cancellation — Up to $2,000/insured person for non-refundable tickets charged to card; covered reasons include illness, injury, financial insolvency of carrier Inferred by source trip delay — Up to $300/purchased ticket for reasonable expenses when delayed 12+ hours or overnight stay required Inferred by source baggage — Up to $3,000/trip for checked or carry-on luggage lost due to theft or misdirection by carrier Inferred by source travel accident — Up to $500,000 for AD&D of cardholder, spouse, and dependent children while traveling Inferred by source	—
Foreign Tx Fees	None Inferred by source	None Inferred by source
Cashback	—	Redeem for statement credit, deposit to a U.S. Bank account, or gift cards Inferred by source
Data last verified	Jun 17, 2026	Jun 5, 2026
Apply	Apply	Apply

*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it

Frequently asked

Is the U.S. Bank Altitude® Connect Visa Signature® Card or the U.S. Bank Smartly™ Visa Signature® Card better?

On paper the U.S. Bank Altitude® Connect Visa Signature® Card comes out ahead: by realized value minus the annual fee, the U.S. Bank Altitude® Connect Visa Signature® Card nets +$100/yr and the U.S. Bank Smartly™ Visa Signature® Card nets +$0/yr. Which is actually better depends on your spending and which perks you'll use.

Which has the lower annual fee, the U.S. Bank Altitude® Connect Visa Signature® Card or the U.S. Bank Smartly™ Visa Signature® Card?

Both have no annual fee.

Does the U.S. Bank Altitude® Connect Visa Signature® Card or the U.S. Bank Smartly™ Visa Signature® Card have better airport lounge access?

The U.S. Bank Altitude® Connect Visa Signature® Card includes lounge access (Priority Pass); the U.S. Bank Smartly™ Visa Signature® Card does not.