How Does ValuePenguin Get Paid?

U.S. Bank Altitude™ Go Visa Signature® Card Review: Earn Rewards With No Annual Fee

U.S. Bank Altitude™ Go Visa Signature® Card Review: Earn Rewards With No Annual Fee

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Quick facts

More details

Rates & fees

  • Credit needed: 660 - 850
  • Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Earning rate: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Annual fee: $0
  • Foreign transaction fee: None
  • Other benefits: Intro APR on purchases and balance transfers

Quick facts

  • Credit needed: 660 - 850
  • Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Earning rate: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Annual fee: $0
  • Foreign transaction fee: None
  • Other benefits: Intro APR on purchases and balance transfers

More details

  • 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.

Rates & fees

  • Intro Purchase APR: 0% for 12 billing cycles on purchases
  • Regular Purchase APR: 17.99% - 26.99% (Variable)
  • Intro BT APR: 0% for 12 billing cycles on balance transfers
  • Regular BT APR: 17.99% - 26.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Pros

  • Excellent sign-up bonus
  • $0 annual fee
  • Stellar rewards rate
  • Foreign transaction fees: None
  • Long intro APR on purchases and balance transfers
  • $15 streaming service credit
  • Points never expire
  • Pay-over-time feature

Cons

  • Few additional perks
  • Streaming credit is only available after 11 months of streaming purchases
  • Points are not transferable
annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Stellar rewards rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Long intro APR on purchases and balance transfers\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $15 streaming service credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points never expire\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Pay-over-time feature\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Few additional perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Streaming credit is only available after 11 months of streaming purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points are not transferable\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"none"}

Is the U.S. Bank Altitude® Go Visa Signature® Card worth it?

The U.S. Bank Altitude® Go Visa Signature® Card is an excellent option for consumers who love to eat but don’t love paying an annual fee. This card earns bonus points on restaurants, dining, gas, streaming services and groceries with $0 annual fee. It even offers a $15 streaming service credit after 11 months of streaming purchases.

While this card competes with some of the top credit cards out there for dining rewards, it doesn't come with too many additional perks. If you're willing to pay an annual fee in return for benefits like travel and purchase protections or airport lounge access, you might consider another rewards card instead.

Sign-up bonus

A no-annual-fee credit card is a great option to earn rewards of your choosing without a pesky fee to pay each year. However, no-annual-fee cards often come with an underwhelming sign-up bonus.

That's not the case for the U.S. Bank Altitude® Go Visa Signature® Card, which lets you Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

That is $200 in value, or 20% back in value for your first $1,000 spent, which is a good return.

While cards like the The Platinum Card® from American Express offer much larger welcome bonuses, the trade-off is paying a high annual fee.

money icon

How much is it worth? $200

Who is eligible to earn it? Only consumers who have not had this card will be eligible to earn the sign-up bonus. This bonus offer may not be combined with any other bonus.

Earning rate

The U.S. Bank Altitude® Go Visa Signature® Card offers top rewards on everyday spending categories, made even more impressive by the fact that there is $0 annual fee. Cardholders will:

Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

The card's 4x rate is on par with some of the most generous rewards cards in the restaurant category, including the American Express® Gold Card. However, the American Express® Gold Card's points can be transferred to outside airline loyalty programs, making them potentially more valuable. The U.S. Bank Altitude® Go Visa Signature® Card 2x per dollar earnings at grocery stores is also competitive, though a step below the American Express® Gold Card's earning rate of 4x per dollar on U.S. supermarket purchases.

Keep in mind that the annual fee of competing cards (the American Express® Gold Card, for example, charges $250 per year) can limit the value of the rewards earned. If you want to earn a lot of points on restaurants and groceries without having to pay an annual fee, the U.S. Bank Altitude® Go Visa Signature® Card is the better option.

Redeeming rewards

The U.S. Bank Altitude® Go Visa Signature® Card offers a number of easy and convenient ways to redeem your rewards, including gift cards, cash back, travel and more. Regardless of your redemption option, your points will be worth 1 cent apiece.

  • Cashback redemptions will appear as a statement credit or a deposit made into your U.S. Bank savings or checking account. Note that there is a 2,500-point minimum for redemption.
  • To redeem your points for shopping purchases, simply enroll in Real-Time Rewards, which will allow you to shop nearly anywhere and redeem your points via text message instantly. These point redemptions will appear as a statement credit on your monthly bill.
  • Travel redemptions can easily be made through U.S. Bank's travel portal by logging into your account. It's worth noting that other credit card rewards programs like Chase Ultimate Rewards® and American Express® Membership Rewards allow you to transfer points to select airline and hotel rewards programs, while U.S. Bank does not. The upside is that you can potentially get a higher value for your points by searching for deals within these programs. The downside is that your point value fluctuates, depending on how and when you redeem the points, plus you may have to navigate a complicated hotel or airline rewards program.
  • For consumers who don't want to deal with the confusion and stress of transferring points, the U.S. Bank Altitude® Go Visa Signature® Card offers valuable rewards that are simple to redeem through the card's own travel reservation portal.

$15 streaming service credit

A nice, if small, perk of the U.S. Bank Altitude® Go Visa Signature® Card is that cardholders will receive a $15 streaming service credit after 11 months of making streaming purchases. The downside is that you need to wait nearly a year after signing up for the card to earn the credit, but the plus side is that this card lets you earn 2x points on streaming purchases all the time.

0% intro APR on purchases and balance transfers

Payment flexibility is useful from time to time. Whether you need to make a large purchase, like a kitchen appliance, or consolidate credit card debt, a 0% introductory APR can help you avoid accruing interest.

If you are approved for the U.S. Bank Altitude® Go Visa Signature® Card, you will enjoy the following introductory APR offer: Get a 0% for 12 billing cycles on purchases and 0% for 12 billing cycles on balance transfers. After that, a 17.99% - 26.99% (Variable) APR applies.

Keep in mind that this isn’t the longest introductory balance transfer period offered, as other balance transfer credit cards have longer terms.

Other benefits

With this card, you won't have to worry about being charged extra for purchases made outside the U.S. This is a nice perk that can save you significant amounts of money over the course of a vacation.

The U.S. Bank Altitude® Go Visa Signature® Card lets you break large purchases up into fixed monthly payments with the U.S. Bank ExtendPay Plan. You won't have to pay interest and you'll get to keep your rewards, in return for a small monthly fee. This can be useful if you're planning to make a major purchase on your card and could use some leeway in paying it off.

Drawbacks

  • Few additional perks. While this card certainly gives you serious bang for your buck when it comes to a no-annual-fee credit card, it doesn't offer too many additional perks outside the high earning rate and sign-up bonus. If you're looking for more, you may consider another rewards credit card instead.
  • Streaming credit is only available after 11 months of streaming purchases. The streaming credit is a nice benefit of this card, but you'll have to own the card for nearly a year before you can receive it.
  • Points are not transferable. Other issuers, like Chase and American Express, are partnered with a variety of hotel and airline partners, which consumers can use to transfer their points and gain greater value. Because all U.S. Bank Altitude® Go Visa Signature® Card points are worth 1 cent apiece consistently, there isn't much room to maximize your rewards.

Alternatives to the U.S. Bank Altitude® Go Visa Signature® Card

0
Editor's Rating?
Annual Fee
$0
$0
$95
More card details
Not available on ValuePenguin
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Apply Now
On Chase's Secure Website
Apply Now
On Chase's Secure Website

The U.S. Bank Altitude® Go Visa Signature® Card can be a great option for consumers looking for a rewarding $0-annual-fee credit card. However, there are other top credit card options out there that are also worth considering if you're looking to open a new card.

U.S. Bank Altitude® Go Visa Signature® Card vs. American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

Verdict: Flashy look and rewards, with a moderate annual fee

The American Express® Gold Card is a favorite among foodies and travelers. This card earns outstanding rewards, including Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Spending heavily in these categories can result in outstanding rewards earnings.

However, the card comes with a moderately high annual fee of $250 per year. This annual fee is counterbalanced by the card's credits. Cardholders get up to a $10 monthly dining credit toward qualifying purchases. Cardholders also receive up to $10 per month in Uber Cash for U.S. Uber Eats or Uber rides. Your American Express® Gold Card needs to be added to your Uber app in order to receive this benefit. If you utilize these credits to their fullest, your annual fee is effectively $10.

This card is better for someone who can nearly guarantee using the Uber Cash and dining credits, along with utilizing the list of American Express® transfer partners.

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

U.S. Bank Altitude® Go Visa Signature® Card vs. Chase Freedom Flex℠

On Chase's Secure Website

Verdict: Similar rewards, with different categories

The Chase Freedom Flex℠ Credit Card is a staple for many consumers who enjoy earning cashback rewards. With the Chase Freedom Flex℠ quarterly categories, you will earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. By maximizing these categories, you can earn a significant amount of cash back each year.

In 2022, the announced 5% cashback categories are:

  • Q1: Grocery stores (excluding Walmart and Target) and eBay
  • Q2: Amazon.com and select streaming services
  • Q3: Gas stations, car rental agencies, movie theaters and select live entertainment
  • Q4: Not announced

To kick off your cashback earnings, the Chase Freedom Flex℠ lets you Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

The Chase Freedom Flex℠ Credit Card may be a better option for consumers looking to save money on their monthly bills. While earning travel rewards is exciting, saving money is never a bad idea.

U.S. Bank Altitude® Go Visa Signature® Card vs. Chase Sapphire Preferred® Card

On Chase's Secure Website

Verdict: A small annual fee with large rewards for travel

The Chase Sapphire Preferred® Card is well known as one of the best beginner travel credit cards. With its low annual fee of $95 and excellent reward categories, it is worth considering for any traveler.

When you spend on the Chase Sapphire Preferred® Card, you will earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

While this may sound underwhelming compared to the U.S. Bank Altitude® Go Visa Signature® Card's 4x earning rate on takeout, food delivery and dining, you should consider the broad range of merchants that fall under Chase's travel category: airlines, hotels, motels, time-shares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. With these broad categories, someone who travels regularly can accumulate Chase Ultimate Rewards® points quickly. To get started, you can 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 Ultimate Rewards®.

Should you get the U.S. Bank Altitude® Go Visa Signature® Card?

The U.S. Bank Altitude® Go Visa Signature® Card is one of the best $0-annual-fee credit cards with points. With many credit card issuers battling for dining rewards, the U.S. Bank Altitude® Go Visa Signature® Card hits the spot for consumers searching for a simple, high-earning rewards card.

However, if you're looking for a card that comes with more bells and whistles, another travel rewards card or cashback credit card might be a better fit.

Frequently asked questions

How do you redeem rewards on the U.S. Bank Altitude® Go Visa Signature® Card?

To redeem travel rewards earned on U.S. Bank credit cards, visit the My Rewards section under the My Accounts tab. From there, click Redeem Rewards and Access Card Benefits (this will forward you to the Rewards Center).

What credit score do you need for the U.S. Bank Altitude® Go Visa Signature® Card?

The U.S. Bank Altitude® Go Visa Signature® Card requires a 660 - 850 credit score. If this is too high for you, you should consider applying for a different credit card instead and work on improving your score until it's high enough for approval.

What is the best U.S. Bank credit card?

The best U.S. Bank credit card is the one that suits your lifestyle and financial needs the most. If you make restaurant purchases often and do not want to pay an annual fee, the U.S. Bank Altitude® Go Visa Signature® Card could be a great fit for you.

What is the U.S. Bank Altitude® Go Visa Signature® Card?

The U.S. Bank Altitude® Go Visa Signature® Card is a $0-annual-fee credit card that allows you to earn rewards on your everyday purchases. Consumers can Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

How much are points worth on the U.S. Bank Altitude® Go Visa Signature® Card?

Points are worth 1 cent each with the U.S. Bank Altitude® Go Visa Signature® Card. Points can be redeemed in a variety of convenient ways, including for cash back, shopping and travel.

Is it hard to get approved for the U.S. Bank Altitude® Go Visa Signature® Card?

The U.S. Bank Altitude® Go Visa Signature® Card requires a 660 - 850 credit score for approval. If your score is high enough, you shouldn't have a problem getting accepted and you won't have to worry about paying an annual fee.

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

The information related to U.S. Bank Altitude® Go Visa Signature® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).