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The Business Altitude Power is a points rewards card from U.S. Bank that carries a $195/yr on the visa network. At its core it earns 1.0X Altitude Points on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Business Altitude Power. Altitude Points can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
The $195/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
The Business Altitude Power charges $195 per year. To justify this fee, you need to earn at least $195 in rewards and benefits annually.
Statement credits: $100 Airline Credit ($100/yr). These credits total $100/yr, bringing the effective annual fee down to $95.
Benefits
Effective Annual Fee
Annual fee–$195
$100 Airline Credit+$100
Net annual cost–$95 effective cost
Financial disclaimer: PointsPick is not a financial advisor. Credit card terms, APRs, and fees are set by U.S. Bank and subject to change. Verify all information on the issuer's website before applying.
You can apply for the Business Altitude Power directly through U.S. Bank's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $195 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on U.S. Bank's website — a pre-approval uses a soft pull and does not affect your credit score.
For moderate spenders, generally yes. The Business Altitude Power offers rewards and benefits that typically exceed the $195 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Business Altitude Power?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Does the Business Altitude Power have a foreign transaction fee?
No. The Business Altitude Power does not charge a foreign transaction fee, making it a good option for international purchases and travel abroad.
Can you transfer Business Altitude Power rewards to airlines?
No. The Business Altitude Power does not offer transfer partners. Rewards are typically redeemed as statement credits, direct deposits, or gift cards.
Business Altitude Power vs Ink Business Premier: which is better?
Both cards compete in the same category. The Business Altitude Power and Ink Business Premier each have strengths depending on your spending patterns. See our detailed comparison for a side-by-side analysis.
How to downgrade the Business Altitude Power to avoid the annual fee?
Call U.S. Bank and ask to product-change the Business Altitude Power to a no-annual-fee card in the same family. This preserves your credit history and credit limit. The best time to downgrade is within 30 days of your annual fee posting for a full refund.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on March 08, 2026. Full methodology: www.pointspick.com/methodology.
