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U.S. Bank Altitude Go Visa Signature Card Review: Great Rewards for Dining and No Annual Fee

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U.S. Bank Altitude® Go Visa Signature® Card
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U.S. Bank Altitude® Go Visa Signature® Card
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
U.S. Bank Altitude® Go Visa Signature® Card
Editor’s Score: (N/A)
  • Intro offer:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    16.49% – 25.49% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

NextAdvisor’s Take

Pros
  • Great rewards rate on dining, groceries, streaming services, gas, and more
  • No annual fee and no foreign transaction fees
  • Sign-up bonus
  • Flexible redemptions for rewards
Cons
  • Rewards can be more complicated than some straightforward cash back cards
  • Longer 0% APR offers available on other cards
  • High APR after intro offer ends
The Bottom Line
The U.S. Bank Altitude Go Visa Signature Card offers exceptional rewards on dining out, groceries, gas and streaming services, along with an introductory APR for purchases and balance transfers — all for no annual fee. Plus, rewards redemptions are flexible and you can redeem instantly. The card offers few added benefits, but you can get a lot of value if your spending is focused across bonus categories.

Additional Card Details

  • 0% APR on purchases and balance transfers for 12 billing cycles, followed by a variable APR of 16.49% to 25.49%
  • $15 annual streaming credit (after 11 months of streaming purchases charged to your credit card)
  • Use U.S. Bank ExtendPay to break up large purchases and pay them down with no interest and a set plan fee
  • Visa Signature benefits

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

Card Type

While the U.S. Bank Altitude Go Visa Signature Card is a rewards credit card with a broad range of bonus categories focused on everyday spending.

Annual Fee

This card does not charge an annual fee, which is one of its biggest benefits.

Welcome Offer

Earn 20,000 bonus points (worth $200) after spending $1,000 on purchases within 90 days of account opening.

Introductory Offer

The U.S. Bank Altitude Go Visa Signature Card offers an introductory 0% APR on purchases and balance transfers for 12 billing cycles. After that, a variable APR of 16.49% to 25.49% applies.

Rewards

This card offers a great rewards rate across a range of everyday categories, but it’s especially valuable if you spend a lot at restaurants. 

4X points:

  • Dining (including takeout and delivery) 

2X points: 

  • Grocery stores
  • Grocery delivery
  • Streaming services
  • Gas stations and EV charging stations

All other purchases earn 1X points per dollar spent.

When you’re ready to redeem, you can use your rewards points for cash back, merchandise, or gift cards. You may also choose to redeem rewards for travel through U.S. Bank. Your rewards points will never expire, and there are no limits to how many points you can earn.

Fees

The U.S. Bank Altitude Go Visa Signature Card does not have an annual fee and doesn’t charge any foreign transaction fees, which makes it a good credit card option for international travel. 

If you plan to take advantage of the intro APR, a 3% (minimum $5) balance transfer fee applies. A 3% to 5% fee can also apply (minimum of $5 or $10) if you take out a cash advance, depending on whether you use cash advance checks or use your card to take cash out of an ATM. Other fees to watch out for include a late payment fee and returned payment fee, both of which can be up to $41.

If you use the ExtendPay Plan to set up a buy now, pay later payment plan for a large purchase, the monthly fee you’re charged in place of interest cannot exceed 1.6% of the original principal amount.

Other Benefits

This card’s primary added benefit is a $15 annual streaming credit. Before you’re eligible for the credit, though, you must make 11 months of streaming purchases with your card. The credit applies to many popular streaming services, including Amazon Music, Amazon Prime Video, Apple Music, Apple TV+, Discovery+, Disney+, ESPN+, HBO Max, Hulu, and more.

As a cardmember, you’ll also get access to U.S. Bank’s ExtendPay plans, the issuer’s buy now, pay later options similar to Amex Pay it Plan it or My Chase Plan. You can set up a plan with a fixed fee, then pay down eligible large purchases over time without interest. 

Finally, this card is also a Visa Signature card, so you’ll get some added benefits from Visa. These may include travel protections, purchase protections, and more, but you’ll need to read the fine print of your individual card agreement to find what benefits your account is eligible for.

Benefits of U.S. Bank Altitude Go Visa Signature Card

If you are someone who spends a lot on dining, gas, groceries and streaming services, the U.S. Bank Altitude Go Visa Signature Card has a lot to offer. Its 4X rewards rate on dining is among the highest we’ve seen in this category, especially among no annual fee cards. Plus, it’s 20,000-point welcome bonus requires an average of just $334 in spending per month for the 90 days after account opening.

The $15 annual streaming credit is also a nice bonus, and the fact it applies to so many different streaming programs makes it easy to use. Just remember to add this card as your preferred method of payment for at least one eligible streaming service you use before you forget.

Drawbacks of U.S. Bank Altitude Go Visa Signature Card

One downside of the U.S. Bank Altitude Go Visa Signature Card is the fact the intro APR only lasts for 12 billing cycles. Many of the best cash back credit cards offer impressive rewards rates along with significantly longer interest-free periods.

Also be aware that this card only offers 1X point per dollar spent (the equivalent of 1% cash back) on non-bonus purchases. If your spending isn’t largely focused in this card’s bonus categories, you may benefit more from a card with flat cash back on every purchase

How to Use the U.S. Bank Altitude Go Visa Signature Card

Start maximizing the U.S. Bank Altitude Go Visa Signature Card by spending at least $1,000 in the first 90 days, so you can score the 20,000-point welcome offer. After that, you’ll want to use the card for your spending in all categories that earn 4X points or 2X points, including dining, groceries, gas, streaming services and more. Just make sure to spend only what you can afford to pay off when your balance is due to avoid high interest debts.

You can also use your card as your preferred payment method for any streaming accounts you have (including Hulu, SiriusXM, Disney+, and more) to ensure you’ll qualify for the $15 annual streaming credit after 11 months of payments.

If you have a large upcoming purchase or existing debt to pay off, you can also benefit from the card’s introductory 0% APR on purchases and balance transfers. Just remember to pay your balance in full within 12 billing cycles to avoid the card’s 16.49%-25.49% variable APR thereafter. If you carry a balance after the first 12 billing cycles, the interest you pay can wipe out the rewards you earned in a short span of time.

Pro Tip

If you’re hoping to earn rewards and skip credit card interest for a limited time, take the time to compare other cards. Many 0% APR credit cards offer high rewards rates and no interest on purchases for at least 15 months.

U.S. Bank Altitude Go Visa Signature Card Compared to Other Cards

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

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

Editor’s Score: (N/A)
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Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    15.74% – 24.49% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Learn More externa link icon
Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Editor’s Score: (4.6/5)
  • Intro offer:
    $200 cash rewards
  • Annual fee:
    $0
  • Regular APR:
    16.49%, 21.49%, or 26.49% Variable APR
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.

Is the U.S. Bank Altitude Go Visa Signature Card Right for You?

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

The U.S. Bank Altitude Go Visa Signature Card is a great no annual fee option if you spend a lot on dining, groceries, gas and streaming services but don’t want to pay an annual fee for a rewards credit card. The annual $15 streaming credit and intro 0% APR offer are just icing on the cake. 

Even so, it’s smart to compare other cash back credit cards based on their earning rates, sign-up bonuses, and cardholder perks to make sure you find the best card for your spending and budget. 

For example, the Chase Freedom Unlimited comes with no annual fee, and offers 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and delivery) and drugstores and 1.5% cash back on all other purchases. The Chase Freedom Unlimited also has a long intro period with 0% APR on purchases and balance transfers for 15 months, followed by a variable APR of 15.74% to 24.49%.

Before you apply for any new card, look at your most frequent spending categories and make sure you’re getting the best value where you buy most.

Frequently Asked Questions (FAQ)

Is the U.S. Bank Altitude Go Visa Signature Card a metal credit card?

Yes, the U.S. Bank Altitude Go Visa Signature Card is one of two metal credit cards issued by U.S. Bank. The other one is the U.S. Bank Altitude Reserve Visa Infinite® Card.

Does the U.S. Bank Altitude Go Visa Signature Card charge foreign transaction fees?

No, this card does not charge foreign transaction fees if you use it for purchases outside the United States.

What credit score do you need for the U.S. Bank Altitude Go Visa Signature Card?

The U.S. Bank Altitude Go Visa Signature Card requires good or excellent credit, or a score of 670 or higher.

How can you redeem rewards earned with the U.S. Bank Altitude Go Visa Signature Card?

You can redeem rewards for merchandise, gift cards, cash back, travel, and more.