U.S. Bank Altitude Go Visa Signature Card Review

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The new U.S. Bank Altitude Go Visa Signature Card offers one of the highest rewards rates for dining, especially for a no-annual-fee card. Plus, you’ll earn extra points on streaming services, groceries, and gas, making it a great fit for foodie rewards seekers whose spending revolves around hanging out at home.

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

overall rating
4.5
U.S. Bank Altitude® Go Visa Signature® Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
INTRO PURCHASE APR 0% for 12 Billing Cycles
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
3.5
for Fees
3.5
for Rewards
3.9
for Credit
2.2
Current Offer

Earn 20,000 bonus points worth $200. Just spend $1,000 within the first 90 days of account opening.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker

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.

Pros
  • High earnings for dining in or out

  • Many bonus-earning streaming options (and a statement credit)

  • Introductory 0% APR

Cons
  • Few valuable perks

Pros Explained

  • 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.

Cons Explained

  • 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.

Redeeming Rewards 

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

Customer Experience

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 

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.

Next Steps
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CURRENT CARD
U.S. Bank Altitude® Go Visa Signature® Card
overall rating
4.5
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. U.S. Bank. "U.S. Bank Altitude Go Visa Signature Card." Accessed June 15, 2020.

  2. U.S. Bank. "Altitude Go: Stream Your Favorite Shows & Music." Accessed June 15, 2020.

  3. U.S. Bank. "Altitude Go: Your Go-To Card for More Rewards." Accessed June 15, 2020.

  4. U.S. Bank. "Altitude Go: Flexible Reward Options." Accessed June 15, 2020.

  5. J. D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed June 15, 2020.

  6. U.S. Bank. "Altitude Go: Zero Liability and More." Accessed June 15, 2020.