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Whether you prefer dining at a restaurant or eating takeout from the comfort of your couch, there is a lot to take advantage of with the U.S. Bank Altitude® Go Visa Signature® Card. This card offers one of the highest rewards rates on dining at restaurants, takeout and delivery — especially for a no-annual-fee card. Plus, you will earn solid rewards on streaming services, groceries, gas and EV charging stations and an annual streaming service credit.
Although this card is lacking when it comes to additional benefits, the rewards offered are higher than average. Other cards offering 4X points on purchases at restaurants worldwide, like the American Express® Gold Card, come with the extra expense of a large annual fee (see rates & fees).
Intro Purchase APR
0% for 12 billing cycles on purchases
Regular Purchase APR
17.74% to 28.74% (Variable)
Intro BT APR
0% for 12 billing cycles on balance transfers
Regular BT APR
17.74% to 28.74% (Variable)
Annual Fee
$0
Cash Advance Fee
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Generous rewards rate
U.S. Bank Altitude® Go Visa Signature® Card members earn the most generous rewards rate you can find 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.
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. Plus, by enrolling in Real-Time Rewards, you can redeem points instantly via text message.
Streaming service credit
The U.S. Bank Altitude® Go Visa Signature® Card offers a $15 streaming service credit after 11 months of streaming purchases. This is in addition to the 2X points you will earn on streaming service purchases. Services include:
See the full list of streaming services here.
Sign-up bonus
The U.S. Bank Altitude® Go Visa Signature® Card comes with a solid sign-up bonus worth around $200. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. This is comparable to the sign-up bonus you will earn with similar cards like the Capital One Savor Cash Rewards Credit Card; however, the U.S. Bank Altitude® Go Visa Signature® Card has a higher spend to reach the sign-up bonus.
Intro APR offers on purchases and balance transfers
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 APR of 0% for 12 billing cycles on purchases, then a regular APR of 17.74% to 28.74% (Variable) will apply.
The card also offers an intro APR of 0% for 12 billing cycles on balance transfers. After that, a 17.74% to 28.74% (Variable) APR will apply to any unpaid portion of the balance.
Restrictions on rewards redemption options
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. For example, other cash back credit cards like the American Express® Gold Card offer a number of travel and shopping protections. But these come at the cost of an annual fee.
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.
The card offers 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.
Its sign-up bonus also has a lower spending requirement: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
|
U.S. Bank Altitude® Go Visa Signature® Card*
|
$0 | 1X - 4X points
| 20,000 points
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
| ||
Chase Freedom Unlimited®
 Apply Now
on Chase's secure site Rates & Fees |
$0 | 1.5% - 5% cash back
| $200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
|
Apply Now
on Chase's secure site Rates & Fees |
|
American Express® Gold Card
|
$325 | 1X - 4X points
| As high as 100,000 points
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
|
The U.S. Bank Altitude® Go Visa Signature® Card is a fantastic option for rewards on a number of categories, especially restaurants and takeout. If you don’t spend a lot on dining, you may want to consider a card with higher rewards in your top spending categories. For example, if you frequently purchase event tickets you may want to consider a card with higher rewards on entertainment, like the Capital One Savor Cash Rewards Credit Card.
If you are looking for a card with more benefits to use on everyday purchases and travel, you may want to consider a card with an annual fee, like the American Express® Gold Card.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Altitude® Go Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
