Costs & Pricing

Metric	U.S. Bank Business Altitude® Connect Visa Signature® Card	Jeff Bank Business Zero+ Card
Annual fee	$0 intro first year, then $95/year	$0 (ongoing; no first-year-only language). Jeff Bank Business Zero+ page, Sept. 3, 2026.
Employee card fee	$0	$0 (Jeff Bank business-card feature list: no fee for additional employee cards). Zero+ page does not separately restate it.
Purchase APR	18.24%–25.24% variable (creditworthiness + Prime). Consistent 2026 aggregator tables — official Schumer box is application-gated, not a scanned PDF.	0% intro for first 18 billing cycles, then 16.24%–25.24% variable based on creditworthiness at opening; varies with Prime. Live Jeff Bank Business Zero+ marketing disclosure, Sept. 3, 2026. Full Schumer box not on the page — confirm terms link at apply.
Intro APR (purchases)	Not offered	0% for 18 billing cycles, then 16.24%–25.24% (V). New-account intro. Missing a due date can end the intro under Elan family rules.
Foreign transaction fee	$0	Not disclosed on Jeff Bank Zero+ page. Elan business family and sibling Zero+ pages: 3% of each foreign transaction. Family standard — confirm terms.
Late payment fee	Up to $41 reported (WalletHub 28 Aug 2026)	Not disclosed on Jeff Bank page. Elan STD_BIZ as of Jan. 10, 2025: $41.

Rewards & Value

Metric	U.S. Bank Business Altitude® Connect Visa Signature® Card	Jeff Bank Business Zero+ Card
Base earn rate	1 point per $1 eligible net purchase (1X)	Not advertised. Jeff Bank Business Zero+ page and Elan Business Zero+ description disclose only 5% on prepaid Travel Center bookings. Treat everyday earn as not offered / $0 unless Program Rules say otherwise. Do not import Cash Preferred’s 3%/1%.
Welcome bonus	75,000 bonus points after $6,000 eligible net purchases on the Account Owner’s Card within 180 days (live official offer, 3 Sep 2026). About $750 only if redeemed at the official maximum 1¢ travel / USB-deposit path. Posts 1–2 billing cycles after qualifying.	None advertised as of Sept. 3, 2026. Do not attach Business Cash Preferred’s limited-time $350 cash-back promo to this SKU.
Redemption value	Official maximum applies to travel, Real-Time Rewards for travel purchases, and deposit into an eligible U.S. Bank account (treat as 1.0¢). Merchandise, gift cards, and statement credit may be worth less. Secondary: 0.8¢ cash if not depositing to a USB account (Doctor of Credit). Do not assume 1.0¢ on every path.	Cash-back product at face value via statement credit or deposit to an eligible Jeff Bank checking/savings account. No transfer partners. Page copy saying no cap on points is leftover template language on a cash-back SKU. Do not treat 5% as travel MCC spend.
Transfer partners	No airline/hotel partners. Intra-USB only: to/from Business Altitude Power, personal Altitude Connect, personal Altitude Go — not Altitude Reserve. 20,000 points out and 20,000 in per calendar year. Both accounts in good standing. Transfers final.	Not offered

Credit & Eligibility

Metric	U.S. Bank Business Altitude® Connect Visa Signature® Card	Jeff Bank Business Zero+ Card
Personal guarantee	Required in practice for U.S. Bank small-business cards. Official product page does not print the clause — confirm in Cardmember Agreement.	Not quoted on Jeff Bank or Elan marketing pages. Elan small-business applications collect authorized-officer personal information; treat as likely required — confirm on application. Not a no-PG startup card.
Credit check	Hard inquiry on the personal credit report (official benefits-center FAQ). SSN/ITIN collected. Beneficial owners ≥25% identity-verified; USB says that will not affect their credit.	Not disclosed officially. Secondary capital-stacking writeups of Elan business cards commonly cite a TransUnion hard pull and delinquency-only personal-bureau reporting — commonly reported, not official Jeff Bank policy.
Employee cards	$0 additional AF. Identity check only (issuer says no credit impact). Spend controls via Spend Management. Liability remains on the business account / guarantor.	Allowed; no additional-card fee on Jeff Bank’s business-card feature list; expense-reporting tools and spend tracking. Numeric cap, lock controls, and liability split not disclosed on the Zero+ page.
Product type	Revolving business credit card (preset limit; ExtendPay installment option on eligible purchases)	Revolving business credit card (intro 0% then variable purchase APR; BTs and cash advances available; Card ExtendPay installment option). Not a charge card. Not a fintech spend-management / net-terms product.

Pros & Cons

U.S. Bank Business Altitude® Connect Visa Signature® Card

Pros

• Live welcome bonus 75,000 points / $6,000 / 180 days on the owner card (official, Sep 2026)
• 4X on a wide travel definition plus gas/EV through $150,000 combined — broad for a sub-$100-AF business card
• $0 FTF and 4 Priority Pass visits after enrollment
• $0 employee-card AF and Spend Management controls
• Points can be pooled and moved (capped) to personal Altitude Go / Connect or Business Power

Cons

• $95 AF after year 1 with thin automatic credits
• No airline/hotel transfer partners; max value is issuer travel / USB deposit
• No 0% intro APR; employee spend excluded from the bonus hurdle
• Gas 4X excludes wholesale clubs and supercenters including Walmart/Target
• Public Schumer box is application-gated; insurance dollar caps are not in marketing copy

Jeff Bank Business Zero+ Card

Pros

• $0 annual fee on the official product page (Sept. 3, 2026)
• 0% intro APR for 18 billing cycles on purchases and on BTs made within 558 days — among the longer publicly advertised business 0% windows
• Free additional employee cards on Jeff Bank’s business-card feature list
• 5% + $50/card credit if the firm actually prepays travel in the Elan Travel Center
• Cell-phone protection up to $600 when the bill is paid with the card; once-a-year 3-month $0 ExtendPay after intro ends

Cons

• No advertised everyday earn rate — a poor daily driver versus 1.5–2% no-fee business cards
• Full Schumer box not on the Jeff Bank page (BT fee, CA fee, late/overlimit/penalty APR must be pulled from the terms link)
• 3% FTF is the Elan business-family standard
• Go-to APR 16.24%–25.24% makes leftover balances costly after the intro
• Personal guarantee / hard-pull details unpublished; $50 credit requires $5,000 portal travel per card

Verdict

U.S. Bank Business Altitude® Connect Visa Signature® Card

Business Altitude Connect is the $95 (year-1 $0) travel sleeve — not consumer Altitude Connect (TSA credit, 0% intro, quarterly gas cap) and not Ink Preferred (transferable UR). 4X travel+gas to $150k plus 4 Priority Pass visits is the reason to pick it. Ads, shipping, Costco gas, and transferable-points collectors should skip it. Year 2 needs real 4X volume or the $95 fee loses to a $0 1.5–2% flat.

Jeff Bank Business Zero+ Card

Same Elan Visa Business Zero+ SKU as First Federal’s cobrand, branded for Jeff Bank (Sullivan/Orange Counties, NY). It is not the consumer Jeff Bank Zero+ (21 cycles / 4% / $15) and not Business Cash Preferred ($350 / 3%/1%). Buy as a no-fee 0% float tool; pair with a flat cash-back card for everyday spend. Open the Jeff Bank terms link before quoting BT/CA fees.