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Last updated on May 9th, 2022
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
- Regular Purchase APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- 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(R), 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
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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At a Glance
The U.S. Bank Altitude Go Visa Signature is an enticing rewards card geared towards those who like to eat out, fill up, or dine-in while binging their favorite shows. The card comes with a competitive selection of features – all for no annual fee.
Ideal for Those Who:
- Frequently use their credit card on dining purchases
- Are cord–cutters looking to earn rewards for their streaming subscriptions
- Plan on making at least $1,000 in purchases within the first 90 days
- Don’t want to pay an annual fee
- Want no foreign transaction fees when using their card abroad
U.S. Bank Altitude Go Visa Signature Card Review
The U.S. Bank Altitude Go Visa Signature is an exciting offering in the U.S. Bank Altitude credit card roster. The card provides sky-high rewards for consumers who like to get the most for their money.
A Decent Intro APR Offer
All worthy rewards credit cards come with introductory APR offers, and the Go is no different. The card comes with a promotional 0% intro APR for the first 12 months on both purchases and balance transfers. The 12 months with the Go are less than the 15 months granted by the Capital One SavorOne or Chase Freedom Unlimited – two comparable competitors – but not by much. Plus, the Altitude Go earns more points on everyday purchases in similar categories.
In comparison, the SavorOne Card earns 3% cash back on dining and entertainment, 2% back at grocery stores, and 1% back on all other purchases. The Amex equivalent, the Blue Cash Everyday Card from American Express, earns 3% back on groceries, 2% back on U.S. gas stations and select department stores, and 1% everywhere else.
How to Earn Rewards with the Altitude Go
What are the categories where the Altitude Go shines? The Go Visa Signature earns 4X points on all purchases in the dining, food delivery, and takeout categories.
Cardholders also earn 2X points on grocery store and grocery delivery purchases. The 2X category doesn’t stop there, however. The Go also receives 2X points on gas station and streaming service purchases. All other purchases each earn a single point per dollar spent.
Earn Even More with an Impressive Sign-up Bonus
The intro APR isn’t the only bonus offer U.S. Bank is providing to woo new applicants. The card also delivers an impressive 20,000 bonus points for spending $1,000 on purchases within the first 90 days of account opening. Twenty thousand points have an approximate value of $200, which is equivalent to 5% cash back (or 5X points) on your first $1,000 spent.
How Much Are U.S. Bank Rewards Points Worth?
U.S. Bank rewards points have a current value of approximately one cent per point. This valuation comes from the bank’s own valuation of their introductory points offer (20,000 points – a $200 value). While U.S. Bank Rewards aren’t as valuable as those from Citibank, Amex, or Chase, they still provide excellent options for cardholders.
How to Redeem Points
Like other rewards cards, the U.S. Bank Altitude Go allows cardholders to redeem their points towards:
- Cash back
- Statement credits
- Gift cards
One of the nice things about U.S. Bank Rewards is that points never expire. Given the decent point-per-dollar earning rate of the Go Altitude, it shouldn’t take long to amass an impressive haul of points. Cardholders also have access to U.S. Bank real time rewards, which allows them to redeem points for purchases anywhere.
Added Perks with the Altitude Go
The card comes with some added perks that U.S. Bank hopes set it apart from other competitors. Chief among these perks is a $15 statement credit for streaming services. This credit, however, only applies once per year. A $15 statement credit likely won’t set the world alight – especially as it requires 11 consecutive months of eligible streaming service purchases with the card.
Beyond the streaming services credit, the Go comes with the typical U.S. Bank and Visa Signature credit card features, which include:
- Visa Signature Concierge
- Visa Auto rental collision damage waiver
- Extended warranty protection
- Visa Travel and emergency assistance
- Roadside dispatch
- 23/7 customer service
- Chip technology
Fees and Interest Rates
The U.S. Bank Altitude Go Visa Signature features no annual fee. No yearly charge is great, especially as cards like the Savor (the upgraded version of the SavorOne) feature a $95 annual fee. This lack of an annual fee more than makes up for the less-than-stellar streaming credit previously mentioned.
The card also lacks a foreign transaction fee, making it the perfect companion for your next business trip, vacation, or any other expedition abroad. And while the card does have fees for transactions like balance transfers and cash advances, these are well within the average for such types of charges.
The standard APR with the card varies significantly based on creditworthiness. Those with excellent credit, however, can expect an interest rate well below what they’d find with other comparable cards. The best rates are around 2.5% lower than the national average for a rewards card, and almost a point lower than the Capital One SavorOne. Those with lower credit scores can anticipate a rate in the low 20s, but for a card of this quality, that’s not too bad at all.
Should You Apply for the U.S. Bank Altitude Go Visa Signature® Card?
The U.S. Bank Altitude Go Visa Signature is a solid rewards card for people that prefer to use their credit card on everyday life instead of occasional splurge purchases. The 4X points on dining makes it one of the most valuable dining rewards cards on the market today, while the additional of 2X points on groceries, gas, and streaming makes it the perfect accessory to your daily commute – or a night enjoying movies on the couch.
The Go compares very favorably with its rivals, with it comparing favorably with the Chase Sapphire Preferred,Citi Premier® Card, and Amex offerings rather handily. The streaming service statement credit is the one notable disappointment with the card – especially as American Express and others have been quick to add statement credits for these services to some of their best premium cards.
Fortunately, there’s more than enough here to compensate for this shortcoming. No foreign transaction fees, a generous introductory spend bonus, and 0% APR for 12 months on both purchases and balance transfers are the three most noteworthy examples. Other popular options include the Citi® Double Cash Card – 18 month BT offer (unlimited 2% back) and the Citi Custom Cash℠ Card.
Overall, the U.S. Bank Altitude Go Visa Signature is a great rewards card that hits all the right notes to make the budget-conscious cardholder sing. The card blends entertainment and everyday rewards seamlessly, making it a solid choice for your next credit card.
The information related to Citi Custom Cash Card and Citi Double Cash has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.