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U.S. Bank Altitude Go Visa Signature Card 

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

Earn 25,000 Bonus Points

U.S. Bank Altitude® Go Visa Signature® Card
  • Regular Purchase APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 20,000 bonus points after spending $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel, and more
  • Earn 4X points per $1 spent on takeout, dining, and food delivery
  • Earn 2X points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations
  • Get a $15 credit for annual streaming service purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 14.99% to 23.99% 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: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
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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 is the newest edition to the U.S Bank credit card lineup, coming with a competitive selection of features – all for no annual fee. 

Ideal for Those Who:

  • Frequently use their credit card on dining purchases 
  • Are cordcutters 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 a new offering from the U.S. Bank Altitude credit card roster. The card joins its big brother, The Altitude Reserve, in providing 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  a comparable competitor – but not by much. Plus, the Altitude Go earns more points on everyday purchases in similar categories. 

The SavorOne, in comparison, 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, 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 Signup 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: 

  • Travel 
  • Cash back 
  • Statement credits 
  • Merchandise 
  • 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. 

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 edging the Capital One 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.  

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. 

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