U.S. Bank Altitude Go Review: High Dining Points, No Annual Fee

The U.S. Bank Altitude® Go Visa Signature® Card is a standout dining card, earning a perfect 5 out of 5 dining score. It offers an impressive 4X points on dining (up to $2,000 per quarter starting April 2025), making it one of the best no-annual-fee options for dining rewards. It also earns 2X points on groceries, gas stations, EV charging and streaming services, plus 1X on all other purchases.

The card includes a 20,000-point welcome bonus and a 12-month 0% intro APR on balance transfers and purchases. However, its rewards outside of dining are less competitive. While the 2X rate on groceries and gas is decent, other cards offer higher rates across more categories. Additionally, the points earned with this card can’t be pooled with other U.S. Bank cards or transferred to airline and hotel partners, limiting its redemption flexibility.

The Capital One Savor Cash Rewards Credit Card is another strong option for foodies, offering unlimited 3% cash back on dining, groceries, entertainment and streaming services. However, the U.S. Bank Altitude Go’s 4X points on dining is exceptional, and it can be a solid addition to your wallet if you often eat out.

The U.S. Bank Altitude Go Visa Signature® Card stands out for its generous dining rewards and solid earnings on everyday spending. Here’s what you’ll earn with the card:

• 4X points on dining (including takeout and delivery) — capped at $2,000 per quarter starting April 14, 2025
• 2X points on groceries, gas stations, EV charging and streaming services
• 1X point on all other purchases

Few no-annual-fee cards can compete with the U.S. Bank Altitude Go’s 4X points on dining. Even with the upcoming quarterly cap of $2,000 on dining purchases (starting April 14, 2025), you could still earn up to 32,000 points annually — equivalent to $320 in rewards — if you maximize dining spending each quarter.

Points earned with the U.S. Bank Altitude Go are worth 1 cent each and can be redeemed for statement credits, travel, gift cards or merchandise. However, minimum redemption requirements apply — for example, you’ll need at least 2,500 points to redeem for cash back. Starting April 14, 2025, points will expire after 12 consecutive billing cycles with no account activity.

The points you earn with the U.S. Bank Altitude Go cannot be transferred to other U.S. Bank cards or hotel and airline partners. This is unlike cards such as the Chase Freedom Flex®, which allow point pooling for higher-value redemptions through transfer partners.

The U.S. Bank Altitude Go offers a 0% introductory APR on purchases and balance transfers and a welcome bonus. These offers are beneficial for new cardholders, but they’re usual for no-annual-fee cards.

Introductory APR Offers

The U.S. Bank Altitude Go offers a 0% intro APR on purchases and balance transfers for 12 billing cycles, which is a helpful feature if you’re planning big expenses or looking to consolidate debt. It allows you to spread out payments or pay down balances without accruing interest.

However, many no-annual-fee cards provide longer intro APR periods, often extending to 15 months or more. Dedicated balance transfer cards can even offer up to 21 months of 0% APR.

U.S. Bank Altitude Go Welcome Bonus

The U.S. Bank Altitude Go offers a 20,000-point welcome bonus (worth $200 if redeemed as cash back) after spending $1,000 in the first 90 days. While the bonus is competitive among no-annual-fee cards, some alternatives require just $500 in spending to earn a similar reward.

The U.S. Bank Altitude Go card offers a $15 annual credit for eligible streaming services like Netflix, Spotify and Amazon Music. This perk is modest, but it’s a nice touch for those who regularly subscribe to these services. However, unlike other rewards cards, you won’t find premium perks from the U.S. Bank Altitude Go like free checked bags, travel credits or food delivery app subscriptions.

The U.S. Bank Altitude Go’s fee structure is on par with similar cards, but most notably, it doesn’t have an annual fee. Here's a breakdown of the card's fees and penalties:

• Annual Fee: None
• APR: Variable APR of 17.49% – 28.49% after the introductory period
• Foreign Transaction Fee: 3%
• Balance Transfer Fee: 3% of the amount of each transfer or $5 minimum, whichever is greater
• Late Payment Fee: Up to $41

Getting the U.S. Bank Altitude Go card can be moderately challenging, as it requires good to excellent credit. User feedback from Reddit suggests that U.S. Bank is conservative in approvals, often denying applicants with many recent inquiries or no existing relationship with the bank. However, some applicants have succeeded through manual reviews (a process where a human underwriter re-evaluates your application for approval). Establishing a relationship with U.S. Bank, such as opening a checking account or becoming an authorized user, may improve your chances.

The U.S. Bank Altitude Go Visa Signature® Card receives mixed feedback from users. It’s highly praised for its 4X dining rewards and no annual fee, but concerns about the $2,000 quarterly cap on dining rewards (effective April 2025) have raised doubts. Users have also noticed a point devaluation — while points are worth 1 cent each when redeemed for statement credits or deposited into a U.S. Bank account, their value drops to 0.8 cents per point for options like gift cards or merchandise. Additionally, the minimum redemption threshold of 2,500 points for cash back can be restrictive.

We compare the U.S. Bank Altitude Go to similar rewards cards to help you find the best option.

You can pair the U.S. Bank Altitude Go with a flat-rate card to enhance your rewards strategy.

We assessed the U.S. Bank Altitude Go using our Rewards Score methodology, comparing it to other cards in our databse. The evaluation considered the following factors:

• Dining score (50%): Rates dining rewards, with the card earning a perfect 5 for its 4X points on dining.
• Effective reward rate (15%): Measures overall reward potential.
• Annual fee (10%): Rated 5 for having no annual fee.
• Intro purchase offer (10%): Rates the 0% APR period on purchases.
• Foreign transaction fees (5%): Rated 5 for no foreign transaction fees.
• Recommended credit (2.5%): Rates the accessibility based on credit score.
• Issuer satisfaction (2.5%): Based on customer feedback and issuer reputation.
• Penalties (2.5%): Rates penalty rates and fees, with no penalty APR earning a high score.
• Regular APR (2.5%): Rates the ongoing APR for cardholders.

Here are the answers to some frequently asked questions about the U.S. Bank Altitude Go to help you decide if it’s right for you.