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U.S. Bank Altitude Go Card Review: Big Bonuses on Dining and Streaming

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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, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. 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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Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. 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.

Intro APR Info Icon Circle with letter I in it. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0% on balance transfers, 12 billing cycles

Regular APR

17.99% - 26.99% (Variable)

Rewards Info Icon Circle with letter I in it. 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on other purchases

1x - 4x points

Annual Fee

$0

Welcome Offer Info Icon Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • 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 points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 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 17.99% - 26.99%.
    • 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.

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-point 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 GREAT BONUS OFFERS: Best Sign-Up Bonus Credit Cards

Up to 4 points per $1

The U.S. Bank Altitude® Go Visa Signature® Card earns:

  • 4 points per $1 on takeout, food delivery, and dining
  • 2 points per $1 at grocery stores, grocery delivery, streaming services, and gas stations
  • 1 point per $1 on all other eligible purchases

This card is made for consumers who spend a lot on dining, because 4% back in that category is as good as it gets. 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.

SEE MORE: Best No Annual Fee Credit Cards

0% intro APR for 12 billing cycles

This credit card offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles. 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.

$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.

Alternatives to consider

If you want to earn a great cash back rate everywhere: The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases, with no bonus categories to manage. It's a fantastic choice if you're looking for a high-value, straightforward cash back card.

If you spend more on groceries than dining: You could collect more cash back with the Blue Cash Preferred® Card from American Express. It earns 6% cash back at U.S. supermarkets, up to a spending cap of $6,000 per year. It also offers that same 6% rate on select U.S. streaming services. Terms apply.

READ MORE: Best Grocery Credit Cards

As of Sep. 27, 2022
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Wells Fargo Active Cash® Card Blue Cash Preferred® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. 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
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. 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
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. 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.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. 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.

Welcome Offer: Welcome Offer info $200 cash rewards bonus after spending $1000 in purchases in the first three months

$200 cash rewards offer

Welcome Offer: Welcome Offer info Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$350

Rewards Program:

2% cash rewards

Rewards Program: Info Icon Circle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.

1% - 6% cash back

Intro APR: Intro APR Tooltip 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. The balance transfer fee is 3% for 120 days from account opening, then up to 5%; min: $5

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Intro APR:

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR:

17.99%, 22.99%, or 27.99% (variable)

Regular APR:

16.99%-27.99% Variable

Annual Fee:

$0

Annual Fee:

$95

Highlights:

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.99%, 22.99%, or 27.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Highlights:

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 Plan It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • $95 Annual Fee.
  • Terms Apply.
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

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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 per 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

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