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U.S. Bank launched the U.S. Bank Altitude® Go Visa Signature® Card in June 2020, a credit card geared toward those who regularly dine out or use food delivery and streaming services.
This $0 annual fee card offers a high rewards rate on dining and food delivery services – holding its own against competing dining rewards cards. Additionally, cardholders earn rewards on groceries, gas and streaming services.
We break down the pros and cons of the U.S. Bank Altitude® Go Visa Signature® Card, and show how it compares to another credit card that also offers rewards on dining and grocery store purchases – the Capital One SavorOne Cash Rewards Credit Card.
Intro Purchase APR
0% for 12 billing cycles on purchases
Regular Purchase APR
17.99% - 26.99% (Variable)
Intro BT APR
0% for 12 billing cycles on balance transfers
Regular BT APR
17.99% - 26.99% (Variable)
Annual Fee
$0
Cash Advance Fee
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction Fee
None
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Rewards rate
U.S. Bank Altitude® Go Visa Signature® Card members earn a generous rewards rate – especially for a card with a $0 annual fee: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
The dining category includes a broad range of eateries, including restaurants, fast food establishments and bars. The grocery store category includes supermarkets; however, purchases made at discount or retail stores that sell groceries may not qualify.
U.S. Bank Altitude® Go Visa Signature® Card points, which never expire as long as the card account remains active, are worth approximately 1 cent each and can be redeemed for merchandise, gift cards, cash back, travel and more.
Sign-up bonus
The U.S. Bank Altitude® Go Visa Signature® Card comes with a solid sign-up bonus. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Intro APR offers
If you want to finance a large purchase or transfer a balance interest-free, you can do so for a year with the U.S. Bank Altitude® Go Visa Signature® Card. Cardholders receive an intro period of 0% for 12 billing cycles on purchases, then a regular APR of 17.99% - 26.99% (variable) will apply.
The card also offers a 0% for 12 billing cycles on balance transfers. After that, an APR of 17.99% - 26.99% (variable) will apply to any unpaid portion of the balance.
$0 annual fee
The U.S. Bank Altitude® Go Visa Signature® Card comes with a $0 annual fee.
Foreign transaction fee: None
Some credit cards charge a fee (typically 3%) for each transaction made outside the United States. The U.S. Bank Altitude® Go Visa Signature® Card doesn’t, so it’s a fine option to take with you when traveling abroad.
If you want to redeem points for cash back into a bank account, you must have a checking or savings account with U.S. Bank. Without one, you’ll still have access to redemption options such as statement credits and gift cards, but won’t be able to get cash back deposited into your bank account.
Also, know that when redeeming points for cash back, you must do so in increments of 2,500 points.
Mediocre benefits
The U.S. Bank Altitude® Go Visa Signature® Card lacks some of the popular benefits often offered by credit cards, such as purchase protections and cellphone insurance.
Balance transfer fee
While the U.S. Bank Altitude® Go Visa Signature® Card offers an introductory APR on balance transfers, you will be subject to a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Can be difficult to qualify for
Some consumers have reported that if you’ve applied for any credit card in the past six months, or more than one card in the past year, U.S. Bank is likely to deny your application for the U.S. Bank Altitude® Go Visa Signature® Card.
If you want to earn rewards on dining and streaming services, the Capital One SavorOne Cash Rewards Credit Card is a great alternative, plus it offers a great purchase intro APR: 0% intro on purchases for 15 months (after, a 17.99% - 27.99% (variable) APR will apply).
The card offers 3% cash back on dining and entertainment; 3% cash back on popular streaming services; 3% cash back at grocery stores; 1% cash back on all other purchases. earn 8% cash back on capital one entertainment purchases and tickets at vivid seats.
Cashback rewards can be redeemed for statement credits or checks, as well as previous purchases, gift cards and more.
However, note that the U.S. Bank Altitude® Go Visa Signature® Card does offer a higher rewards rate on dining than the Capital One SavorOne Cash Rewards Credit Card.
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| U.S. Bank Altitude® Go Visa Signature® Card | Capital One SavorOne Cash Rewards for Good Credit | Capital One Savor Cash Rewards Credit Card | American Express® Gold Card |
|---|---|---|---|
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Apply Now on U.S. Bank's secure site
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Apply Now on Capital One's secure site
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Read Review |
Apply Now on American Express's secure site
Terms Apply
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| Welcome Offer | |||
| Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. | N/A | Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening | 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. |
| Rewards Rate | |||
| Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. | 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats | Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. |
| Annual Fee | |||
| $0 | $0 | $95 | $250 |
| Intro Purchase APR | |||
| 0% for 12 billing cycles on purchases | N/A | N/A | N/A |
| Regular APR | |||
| 17.99% - 26.99% (Variable) | 28.49% (Variable) | 17.49% - 25.49% (Variable) | 18.99%-25.99% Variable |
| Intro Balance Transfer APR | |||
| 0% for 12 billing cycles on balance transfers | N/A | N/A | N/A |
| Regular Balance Transfer APR | |||
| 17.99% - 26.99% (Variable) | 28.49% (Variable) | 17.49% - 25.49% (Variable) | N/A |
| Balance Transfer Fee | |||
| Either 3% of the amount of each transfer or $5 minimum, whichever is greater. | $0 at this Transfer APR | $0 | N/A |
| Recommended Credit | |||
| Excellent/Good | Good | Excellent/Good | Excellent/Good |
| Card Details | |||
| U.S. Bank Altitude® Go Visa Signature® Card | Capital One SavorOne Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card | American Express® Gold Card |
The U.S. Bank Altitude® Go Visa Signature® Card and the Capital One SavorOne Cash Rewards Credit Card cards are both solid options if you spend a decent amount on dining, grocery store purchases and streaming services each month. But if you plan to carry a balance from month-to-month, the Capital One SavorOne Cash Rewards Credit Card may be the better option, since you can do so interest-free for a longer period of time.
To see rates & fees for American Express® Gold Card please click here.
