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U.S. Bank Altitude® Go Visa Signature® Card Review

U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card

U.S. Bank Altitude® Go Visa Signature® Card Review

Sign-Up Bonus
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
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.
Intro APR
0% for 12 billing cycles on purchases, then 17.99% - 26.99% (Variable) and 0% for 12 billing cycles on balance transfers, then 17.99% - 26.99% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the U.S. Bank Altitude® Go Visa Signature® Card best for?

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.

U.S. Bank Altitude® Go Visa Signature® Card overview

    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.99% - 26.99%.
    • No Annual Fee
    • Points never expire
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Terms and conditions apply.
  • Credit needed:
    680 850
    Excellent/Good
  • Roadside assistance
  • Visa® Signature Luxury Hotels discounts and benefits
  • Concierge assistance for event bookings, travel and additional services
  • Hotline assistance for travel and other emergencies
  • VIP access for designated events

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.

Pros and cons of the U.S. Bank Altitude® Go Visa Signature® Card

Pros

  • Rewards rate
  • Sign-up bonus
  • Streaming service credit
  • Intro APR offers
  • $0 annual fee
  • Foreign transaction fee: None

Cons

  • Restrictions on redemption options
  • Mediocre benefits
  • Can be difficult to qualify for

What we like about the U.S. Bank Altitude® Go Visa Signature® Card

  • 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.

What to watch out for with the U.S. Bank Altitude® Go Visa Signature® Card

  • 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.

Alternate dining card

| Disclosures
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
17.99% - 27.99% (Variable)
$0
3% Cash Back on dining and entertainment; 3% Cash Back on popular
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

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.

Compare the U.S. Bank Altitude® Go Visa Signature® Card to similar cards

Comparison of four different credit cards
U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card Capital One SavorOne Cash Rewards for Good Credit Capital One Savor Cash Rewards Credit Card American Express<sup>®</sup> Gold Card
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
Apply Now
on U.S. Bank's secure site
Apply Now
on Capital One's secure site
Read Review
Apply Now
on American Express's secure site
Terms Apply
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

Is the U.S. Bank Altitude® Go Visa Signature® Card right for you?

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.

Apply Now
on U.S. Bank's secure site