Who Is This Credit Card Best For?
Flies regularly and likes finding ways to score even more travel—for free See more cards
Diligently searches for the best products and delights in a good bargain See more cards
Hits the road often, whether for work or play See more cards
Loves to explore places and experience new things See more cards
It’s no surprise that this card was launched during the COVID-19 pandemic, since its rewards structure is focused on at-home spending. Therefore, those who dine out (or get food delivered in), buy a lot of groceries in person or online, and get their entertainment fix from streaming services will benefit most.
If you’re aspiring to get the more premium U.S. Bank Altitude Reserve card, which requires an established relationship with the bank, this card could be your way in without having to open a checking or savings account.
You’ll notice that the top bonus category, dining, goes beyond just restaurants to also include delivery services like GrubHub and DoorDash, while the grocery bonus category includes delivery services like Instacart and Seamless, and meal kit services Blue Apron and Hello Fresh. With additional earning for streaming services and gas—and no annual fee—it’s a well-rounded rewards card for people spending a lot of time at home.
High earnings for dining in or out
Many bonus-earning streaming options (and a statement credit)
Introductory 0% APR
Few valuable perks
- High earnings for dining in or out: Getting 4 points per $1 spent on dining is usually only possible on cards with annual fees, making this a low-cost pick for foodies.
- Many bonus-earning streaming options (and a statement credit): You’ll earn extra points on purchases from 16 different streaming services. In addition, you’ll automatically receive a $15 streaming service credit after 11 consecutive months of streaming service purchases made with the card.
- Introductory 0% APR: It’s always nice to have some wiggle room when opening a new card, and this one gives you a full year to avoid paying interest on purchases, as well as balance transfers made within the first 60 days of card opening. While there are cards with longer introductory periods, 12 months is still a solid perk on top of this card’s other benefits.
- Few valuable perks: Some competing cards with no annual fee offer shopping or travel protections such as extended warranties, cellphone protection, or rental car insurance, but this card’s perks are disappointing.
Bonus for New Cardholders
The U.S. Bank Altitude Go card offers new cardholders a 20,000-point bonus if they spend $1,000 in the first three months of card opening. At 1 cent each, those points are worth $200.
This is a comparable, if not better, bonus than offers from similar no-annual-fee rewards cards focused on dining, although the minimum spending requirement is higher for this offer than for some others.
Earning Points & Rewards
When it comes to dining rewards, no similar card out there without an annual fee has the U.S. Bank Altitude Go card beat. Cardholders get 4 points for every $1 spent at restaurants, as well as takeout and delivery services.
As long as a food delivery service like GrubHub or DoorDash code transactions as a “restaurant, fast-food restaurant or bar,” the transaction will count as dining and earn the bonus dining points.
The other bonus categories are just OK. Groceries, gas, and streaming purchases will score you 2 points per $1 spent, which is on par with earning rates on general rewards and cash-back cards. All other purchases earn 1 point per $1 spent. Still, taken as a whole, the rewards offer here is compelling.
Also appealing is the fact that points never expire and there are no caps on earnings.
Rewards on this card are very simple—points are always worth 1 cent each no matter how you redeem them. Unlike with some other cards, you don’t have to crunch any numbers to try to figure out how to make the most of your points. The downside of that is that there isn’t any potential to squeeze more value out of your earnings.
You have a number of ways to redeem your points including cash back, gift cards, rewards cards (prepaid U.S. Bank cards), travel, and merchandise.
You’ll need a minimum of 2,500 points (worth $25) to redeem for cash.
You can also register for U.S. Bank’s Real-Time Rewards program, which lets you redeem points instantly for nearly any purchase you make in categories you choose. Currently you’ll earn 500 bonus points when you enroll. The way it works is, you shop as you normally would and then when you pay with your card, you’ll receive a text alert asking if you’d like to use your points to get a statement credit on those purchases.
How to Get the Most Out of This Card
In addition to spending enough to earn your 20,000 bonus points for new members, you’ll get the best value from this card if you use it for all dining-related purchases—its highest points-earning category.
Unless you have other rewards cards that provide more than 2 points per dollar spent on groceries, gas, and streaming, you should pay for purchases in those categories with this card as well. In fact, any time you add another rewards card to your wallet is a good time to review which cards offer the best rewards in various categories, and adjust your card use accordingly.
U.S. Bank Altitude Go’s Other Features
- Concierge for booking event tickets, travel, and other services
- Roadside assistance hotline
- Travel and emergency hotline
- Discounts and benefits at Visa Signature Luxury Hotels
- VIP access at some events
U.S. Bank earned an “average” rating in the 2019 J.D. Power U.S. credit card customer satisfaction survey. On the positive side, cardholders can manage their accounts via a mobile app, and use contactless payments wherever that feature is available.
Security features are standard for the industry, including zero liability for unauthorized transactions.
U.S. Bank Altitude Go Visa Signature Card Fees
The lack of annual and foreign transaction fees and penalty APR makes this card consumer-friendly, and the rest of its fees and terms are in line with most other cards.