Review
Updated
Fact Checked
Nathan Alderman
OFFER STATUS
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The U.S. Bank Altitude® Go Visa Signature® Card is a high-value rewards credit card that won't cost you a penny for the annual fee. It carries a strong set of benefits, including bonus rewards, 0% intro APR offers, and even money back on your streaming purchases. Check out our detailed U.S. Bank Altitude® Go Visa Signature® Card review for a full look at what this card offers.
U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
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= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).
Purchases: 0%, 12 billing cycles on purchases
Balance Transfers: 0%, 12 billing cycles
Regular APR
18.24% - 29.24% (Variable)
Rewards 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®, 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.
1x - 4x points
Annual Fee
$0
Welcome Offer 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
20,000 bonus points
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A great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all with no annual fee.
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- Big sign-up bonus
- Dining rewards
- No annual fee
- 0% intro APR offer
- Streaming credit
- Balance transfer fee
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- 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®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
- 1X point on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% - 29.24%.
- No Annual Fee
- Points never expire as long as your account is active.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Full U.S. Bank Altitude Go Card review
This credit card is a good fit for: Foodies who spend quite a bit on dining, whether that's from going out to eat, getting takeout, or ordering delivery.
Top perks
The U.S. Bank Altitude® Go Visa Signature® Card has a nice set of features, which include bonus opportunities and an intro 0% APR offer.
20,000 bonus points
As a new cardholder, you'll earn this 20,000 bonus points sign-up bonus for spending $1,000 in the first 90 days. Each point is worth $0.01, giving this bonus a value of $200. That's competitive with the best sign-up bonuses among credit cards that don't charge an annual fee.
SEE MORE: Best Sign-Up Bonus Credit Cards
Up to 4 points per $1
The U.S. Bank Altitude® Go Visa Signature® Card earns:
- 4X points per $1 on dining, takeout, and restaurant delivery
- 2X points per $1 on groceries and grocery delivery, gas, EV charging, and streaming services
- 1X points per $1 on other purchases
This card is made for consumers who spend a lot on dining, because 4X points in that category is as good as I've seen. The additional bonus categories are nice extras, but you could get 2% back or more in all those areas from other rewards credit cards.
COMPARE MORE OPTIONS: Best Rewards Credit Cards
No annual fee
If you're sticking to no annual fee credit cards, this one fits the bill. This type of card works well for consumers on a tight budget or who aren't big spenders.
0% intro APR for 12 billing cycles
This credit card offers an introductory APR of 0% for 12 billing cycles on purchases and balance transfers. Whether you want to pay off purchases over time or cut down credit card debt, this offer will help you save on credit card interest. Note that the 0% intro APR on balance transfers only applies to balance transfers made within 60 days of account opening.
After the intro period, the go-to 18.24% - 29.24% (Variable) APR applies. Try to pay off your entire balance before then so you don't get charged any interest going forward.
READ MORE: Best 0% APR Credit Cards
$15 annual streaming credit
A unique perk of the U.S. Bank Altitude® Go Visa Signature® Card is a $15 annual streaming credit. To get this credit, you must make eligible streaming purchases for 11 consecutive months. There are well over a dozen eligible streaming services, including Netflix, Disney+, Spotify, Hulu, and SiriusXM.
LEARN MORE: Best Credit Cards for Streaming Services
No foreign transaction fee
Some credit cards, especially no annual fee cards, tack on a 3% foreign transaction fee for international purchases. This U.S. Bank card doesn't, so it's a good choice to take along when you're traveling outside the country.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
What could be improved
There isn't much to complain about with the U.S. Bank Altitude® Go Visa Signature® Card, but it has a small drawback.
Cash back redemption minimum
This card offers several ways to redeem points, including travel, gift cards, and cash back, and you get $0.01 per point with all of them. But there's a 2,500-point ($25) redemption minimum for cash back. Redemption minimums can be frustrating, and many cash back cards don't have them. If you'd rather avoid this, explore other credit card reviews to find one with more flexible redemption options.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
We recommend that you have a FICO® Score of 670 or higher to apply for the U.S. Bank Altitude® Go Visa Signature® Card. Applicants who get approved for this card usually have good to excellent credit.
There are reports that U.S. Bank has denied some applicants, at least in part because of the number of credit cards they've gotten recently. If you've opened multiple credit cards within the past six months to a year, this is something to be aware of.
READ MORE: Best U.S. Bank Credit Cards
The U.S. Bank Altitude Go Card is right for you if:
You eat out often and dining is one of your top two or three expenses each month.
The U.S. Bank Altitude® Go Visa Signature® Card has plenty of perks and no major flaws. It's great if you want to finance a purchase at a 0% intro APR, get a yearly credit on streaming purchases, or have a no annual fee card with no foreign transaction fee. But its top feature is big dining rewards, so it's made for consumers who spend a lot in that area.
SEE MORE TOP OPTIONS: Best Credit Cards for Dining and Restaurants
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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The credit limit for the U.S. Bank Altitude® Go Visa Signature® Card generally ranges from $1,000 to $25,000 or more, depending on your creditworthiness. Many cardholders have reported credit limits of at least $10,000 with this card, and U.S. Bank often gives generous credit limit increases.
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No, the U.S. Bank Altitude® Go Visa Signature® Card doesn't have foreign transaction fees.
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It usually isn't hard to get the U.S. Bank Altitude® Go Visa Signature® Card if you have good or excellent credit. Aim for a FICO® Score of 670 or more.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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The Motley Fool owns shares of and recommends Visa.