The U.S. Bank Altitude® Go Visa Signature® Card is a solid choice if you're looking for a no-annual-fee card that earns strong rewards on dining, groceries, streaming, and gas. The welcome bonus is worth $200 in cash back, travel, gift cards, and more, but the card doesn't come with many benefits.
$0
0% intro APR on purchases and balance transfers for the first 12 billing cycles
18.24% - 28.24% Variable
Earn 20,000 bonus points
Good to Excellent
- Great earning rate on dining (4 points per dollar= 4% back)
- Good welcome bonus for a no-annual-fee card
- Annual streaming credit
- No airline or hotel transfer partners
- Few benefits compared to other rewards credit cards
Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories. It's a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn't come with a lot of flashy benefits.
U.S. Bank Altitude® Go Visa Signature® CardU.S. Bank Altitude Go Overview
There are several cards that'll appeal to most spenders by offering extra points in bonus categories, like dining and grocery store purchases. While the best premium cards have annual fees, the U.S. Bank Altitude® Go Visa Signature® Card offers rewards in well-rounded bonus categories — especially eating out — with no annual fee and no foreign transaction fees.
The U.S. Bank Altitude® Go Visa Signature® Card earns 4 points per dollar on your first $2,000 spent on dining, takeout, and restaurant delivery each quarter, 2 points per dollar on streaming services, gas stations and EV charging stations, and at grocery stores (excluding discount stores, supercenters, and wholesale clubs), and 1 point per dollar on all other eligible purchases
It also comes with a $15 annual streaming bonus for eligible services like Netflix, Apple TV+, Spotify, and others.
You'll earn a welcome bonus of 20,000 bonus points after spending $1,000 in eligible net purchases in the first 90 days of account opening (worth $200 toward merchandise, gift cards, cash back, and more). That's a decent bonus for a card with no annual fee, especially if you'll take advantage of the bonus categories or want to use the card's other perks, such as the $15 annual streaming credit and no foreign transaction fee.
The U.S. Bank Altitude® Go Visa Signature® Card earns points that are easy to redeem for rewards and are worth 1 cent each no matter how you redeem them. While other cards have redemption options of varying value, you'll always know what you're getting with the U.S. Bank Altitude® Go Visa Signature® Card.
Because of that, it's essentially a cash-back card that offers a few extra reward options. Considering there's no annual fee, the reward categories are strong and easy to use if you eat out often to earn 4x points (4% cash back), and earning 2x points (2% cash back) for grocery, gas station, EV charging, and streaming purchases is also a nice bonus. This card is most rewarding for foodies who like to spend a lot to eat out or order in.
The $15 steaming credit also adds to the card's value, particularly because you'll earn 2x points for those purchases in addition to the annual credit. It's not a lot, but you'll basically get a month free (or mostly free) each year with the card.
The U.S. Bank Altitude® Go Visa Signature® Card isn't the most rewarding card in any specific category, but offers well-rounded rewards among several bonus categories. That said, the best category is dining, and earning 4x points with a no-annual-fee card represents excellent value if you'll use the card for that spending. And while it's possible to earn outsized rewards with transferable points cards, lots of folks don't want the hassle or complexity.
The U.S. Bank Altitude® Go Visa Signature® Card is one of the best credit cards if you're looking for a single card that rewards your most common purchases and you don't want to pay an annual fee. If you don't spend a lot on dining, there are other cards that will better reward your usual spending habits.
Rewards
With the U.S. Bank Altitude® Go Visa Signature® Card, you'll earn:
- 4 points per dollar spent on dining, takeout, and restaurant delivery
- 2 points per dollar at grocery stores, gas stations, EV charging stations, and on eligible streaming services
- 1 point per dollar on all other eligible purchases
The points you earn never expire as long as your card is open, and there are no limits to how many points you can earn.
It's important to note that only certain streaming services are eligible to earn 2x points and the $15 annual streaming bonus. The current list of eligible merchants includes Apple Music, Apple TV+, AT&T TV NOW, Discovery+, Disney+, ESPN+, Fubo TV, Google Music, HBO Max, Hulu, Netflix, Paramount+, Peacock, SiriusXM, Slacker Radio, Sling TV, Spotify, Tidal, Vudu, and YouTube Music.
Redeeming Rewards
The points you'll earn with the U.S. Bank Altitude® Go Visa Signature® Card are worth 1 cent each regardless of how you redeem them, so choose the reward you like best.
You can redeem your points toward travel, merchandise, gift cards, cash back, or statement credits through the card's online rewards portal. There's a minimum redemption amount of 2,500 points ($25) if you're redeeming for cash back or gift cards and 1,000 points ($10) for travel or merchandise.
You can also set up Real-Time Rewards and use your points instantly to cover a purchase you're making with your card via your mobile device. This is a convenient feature that allows you to use your points within seconds of making an eligible purchase.
With Real-Time Rewards, you can redeem your points as you earn them instead of feeling like you need to save them for a big reward in the future. While you can certainly still do that, it's also easy to earn points and redeem them for regular rewards on everyday purchases as you go along.
Benefits and features
The main benefit of the U.S. Bank Altitude® Go Visa Signature® Card is the bonus categories offered, but there are a few other benefits worth mentioning.
$15 annual streaming bonus
When you use the U.S. Bank Altitude® Go Visa Signature® Card to pay for eligible streaming services for 11 consecutive calendar months, you'll receive an automatic $15 credit each year. The eligible streaming services for the credit are the same as those that qualify to earn 2x points.
0% introductory APR offer
New U.S. Bank Altitude® Go Visa Signature® Card cardholders receive a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed by a 18.24% - 28.24% Variable APR.
This is useful if you have large purchases coming up you want to pay for over time, or if you want to consolidate credit card debt. Just be sure you have a plan to pay off your balance before the introductory 0% APR period expires.
Roadside dispatch
U.S. Bank Altitude® Go Visa Signature® Card cardholders have access to a 24/7 roadside dispatch hotline that can help arrange services like towing, jumpstarting, or winching. The dispatch service itself is complimentary, but you'll be charged a set fee for any services provided.
Travel and emergency assistance services
If you're traveling and encounter some trouble, you can call a travel and emergency assistance hotline that can help arrange things like legal and medical referrals, prescriptions, translation services, locating lost luggage, and more. This service is also free, but any third-party costs are your responsibility.
Access to the Rewards Center Earn Mall
When you shop online and pay with your U.S. Bank Altitude® Go Visa Signature® Card at over 1,100 stores, you can earn additional points through the Rewards Center Earn Mall. You can access the portal through online banking.
Visa Signature benefits
Because the U.S. Bank Altitude® Go Visa Signature® Card is a Visa Signature card, cardholders can access extra benefits, including:
- Visa Signature Concierge
- Visa Signature Luxury Hotel Collection
- Visa Signature Golf Benefit by Troon
- Car rental discounts
- Extended warranty protection
Real-Time Rewards
U.S. Bank is unique in that you can instantly redeem your points via text for eligible purchases. To do so, you'll need to enroll first.
Then, you'll receive a text when you make a purchase asking if you want to instantly redeem your points. Simply reply with "REDEEM" to complete the redemption. Points will instantly be deducted from your balance.
Fees and costs
The U.S. Bank Altitude® Go Visa Signature® Card doesn't have an annual fee or foreign transaction fees, so there's no cost to carry the card or use it overseas.
Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.
U.S. Bank Altitude Go frequently asked questions (FAQ)
Is the U.S. Bank Altitude Go worth it?
The U.S. Bank Altitude® Go Visa Signature® Card is worth it for foodies as you'll earn unlimited 4x on dining, plus 2x on grocery store purchases, grocery deliveries, streaming services, and gas/EV charging station purchases. It has no annual fee and no foreign transaction fees. Moreover, you'll get an annual $15 towards streaming service purchases.
However, the card doesn't offer many perks, but that's common for a no-annual-fee card. That said, if you're looking for more lucrative benefits, you may be better off with a different rewards credit card.
What credit score do you need for the U.S. Bank Altitude Go card?
Most folks approved for the U.S. Bank Altitude® Go Visa Signature® Card have between a good to excellent credit score (a FICO score of at least 670).
Is the U.S. Bank Altitude Go a metal card?
Yes, the U.S. Bank Altitude® Go Visa Signature® Card is a metal card. The other U.S. Bank-issued metal credit card is the U.S. Bank Altitude® Reserve Visa Infinite® Card .
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Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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