MoneyGeek’s Take

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

The U.S. Bank Altitude® Go Visa Signature® Card is at the top of its game with generous rewards on dining and some other everyday bonus categories. If you're a foodie looking for straightforward rewards with no annual fee, this is a strong option.

By Doug Milnes, CFA

Reviewed by Alene Laney

Updated: December 10, 2024

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

Rates & Fees

REVIEW & APPLY

On Issuer's Site

Rewards Rate

Earn 4X points per dollar spent on dining, includi...

APR

17.49% - 28.49% variable

Annual Fee

Recommended Credit

670-850 (good to excellent)*

PROS
- 4X points on dining
- No annual fee
- Welcome bonus
- 0% intro APR offer
CONS
- Limited bonus categories
- Spending cap
- Requires good to excellent credit
- Rewards
  - Earn 4 points per dollar on dining, including takeout and delivery (starting April 14, 2025, a quarterly cap of $2,000 applies).
  - Earn 2 points per dollar on grocery, gas, and streaming services.
  - Earn 1 point per dollar on all other purchases.
  - Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected
- Introductory Offers
  - Earn 20,000 bonus points after spending $1,000 in the first 90 days.
  - Enjoy 0% intro APR on purchases and balance transfers for 12 billing cycles., then a variable APR of 17.49% - 28.49% after that.
- APRs, Fees, and Penalties
  - No annual fee.
  - Foreign transaction fee: 3%
  - Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
- Perks & Benefits
  - Receive a $15 credit annually for eligible streaming services like Netflix, Spotify, and Amazon Music.
  - Redeem your points for online shopping, statement credits, travel through the Altitude Rewards Center, and more.

While the U.S. Bank Altitude® Go Visa Signature® Card has a few bonus categories, it's a clear winner when it comes to one category: dining rewards. You can earn 4X points on dining, including delivery, with this card, which is pretty impressive for a no-annual-fee card as you typically find a rate like that accompanied by a hefty annual fee. If you like to dine out, even a few times a month, you'll quickly reap the benefits of this card.

Its intro APR offers on both purchases and balance transfers are decent, although on the shorter side. It's above average APR means it's also not a great choice if you think you'll occasionally need to carry a balance. But if you've got your knife and fork ready to dig into some juicy rewards, then read on to learn more about what the U.S. Bank Altitude® Go Visa Signature® Card has to offer.

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

The U.S. Bank Altitude® Go Visa Signature® Card offers remarkable value on dining and decent rewards on other common everyday categories. Here are some more details about this great no-annual-fee card:

Rewards rate: 4X points on dining, takeout and restaurant delivery, 2X points on grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1x points on all other purchases
Welcome offer: Earn 25,000 points after spending $1,000 in the first 90 days
Regular APR: 18.24% - 29.24% (variable)
Annual fee: $0
Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 18.24% - 29.24% variable)

Important Card Details

It's important to understand the benefits, fees and interest rates of the U.S. Bank Altitude® Go Visa Signature® Card in order to decide if it's right for you.

Great Rewards on Dining

If you're looking for lucrative rewards on dining and restaurants, you're in the right place. The U.S. Bank Altitude® Go Visa Signature® Card offers 4X points in this category, which is pretty unbeatable for a no-annual-fee card. You'll also get 2X points on purchases of groceries, gas and streaming services, covering some pretty essential categories, plus 1X points on everything else.

Above Average APR

The U.S. Bank Altitude® Go Visa Signature® Card has an above average APR of 18.24% - 29.24% (variable). While it's never ideal to carry a balance on a credit card, it'll cost you more to do so with this card. If you know you need some extra time to pay off a purchase or make progress on a transferred balance, make sure you do it during the intro APR period.

Short Intro APR

While this card does offer an introductory 0% APR on both purchases and balance transfers, it's only for 12 billing cycles. After that the APR will vary from 18.24% - 29.24%. This might be enough time if you're looking to make a large purchase or pay off a balance that isn't too high. However, it's important to do the math to make sure you can pay off all (or most) of your balance before the regular APR kicks in.

Consistent Points Value

Your U.S. Bank Altitude® Go Visa Signature® Card rewards are worth one cent per point across the board. This means you're spared the hassle of fluctuating point values or navigating complicated redemption programs. Whether you are redeeming your points for cash back, travel, gift cards or a statement credit, the value stays the same.

No Annual Fee

This card has no annual fees, meaning there's no cost for the privilege of holding the card and no need to chip into your rewards to offset the fee. This is pretty unusual, given its high rewards rate in a popular category.

Balance Transfer Fees

Unlike some cards that waive the balance transfer fee for transfers made within an introductory period, the U.S. Bank Altitude® Go Visa Signature® Card charges a fee for all transfers. The fee is $5 or 3% of the transfer amount, whichever is greater. This probably isn't a dealbreaker, but it's important to factor into your calculations if you're considering taking advantage of the intro APR period.

Travel-Friendly Features

The U.S. Bank Altitude® Go Visa Signature® Card is not a travel card but, considering that it has no foreign transaction fees and a decent set of travel protections, it can be helpful for the occasional traveler. It comes with rental car insurance, roadside dispatch and access to emergency services while you travel.

Below Average Customer Satisfaction

The U.S. Bank Altitude® Go Visa Signature® Card customer experience is rated as below-average by J.D. Power’s 2022 U.S. Credit Card Satisfaction Study.

How the U.S. Bank Altitude® Go Visa Signature® Card Compares To Other Cards

The U.S. Bank Altitude® Go Visa Signature® Card offers great value for those who spend a lot on dining and want a card with flexible redemption and no annual fees. Other cards, such as the American Express® Gold Card, do offer better reward rates across more categories but the tradeoff is that you will have to pay an annual fee.

How This Card Compares

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

Rewards rate: 4X points on dining, takeout and restaurant delivery, 2X points on grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1x points on all other purchases
Welcome offer: Earn 25,000 points after spending $1,000 in the first 90 days
Regular APR: 18.24% - 29.24% (variable)
Annual fee: $0
Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 18.24% - 29.24% variable)
Best for: Earning cash back rewards on dining purchases without paying annual fees

American Express® Gold Card

Rewards rate: Earn 4X points on restaurant purchases worldwide (on up to $50,000 in purchases per calendar year, then 1X points) and U.S. supermarket purchases (on up to $25,000 in purchases per calendar year, then 1X points). 3X points on flights booked directly with airlines or via Amex Travel. 2X points on prepaid hotels and other eligible purchases via Amex Travel. And earn 1X points on all other purchases.
Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on eligible purchases in the first six months.
Regular APR: See Pay Over Time APR See Rates and Fees
Annual fee: $325 See Rates and Fees
Intro APR offer: None
Best for: Travel and generous rewards in multiple categories

All U.S. Bank Altitude Card Comparisons

For rates and fees of the American Express® Gold Card, please click here.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Read Full Bio »

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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