U.S. Bank Altitude Go Visa Signature Card

Earning Rates

Key Benefits

All Benefits

• 20,000-point welcome bonus after $1,000 in Net Purchases within the first 90 days of account opening, worth $200 at the fixed 1 cent per point Altitude Rewards redemption value (per the U.S. Bank issuer product page; existing or previous Altitude Go cardmembers who received a new-account bonus for this product in the last five years are excluded from the welcome offer)
• $0 annual fee for the primary cardmember (per the U.S. Bank issuer product page; this is one of the strongest no-annual-fee dining-category cards on the market, with category multipliers normally reserved for fee-charging cards)
• 4X Altitude points on dining, takeout, and restaurant delivery on the first $2,000 in combined purchases each quarter (an $8,000 annualized 4X cap that yields up to 32,000 bonus Altitude points or $320 of redemption value per year just from dining; spend beyond the quarterly cap earns the base 1X rate, NOT 2X, per the U.S. Bank Cardmember Agreement footnote which describes the 4X category as 'restaurant, fast-food restaurant and bar purchases' on the first $2,000 per quarter)
• Dining 4X scope is unusually broad for a no-AF card: covers sit-down restaurants, fast food / quick-service restaurants, bars, takeout, and restaurant delivery services (DoorDash, Grubhub, Uber Eats, Caviar, and similar third-party delivery merchants that code under restaurant MCC 5812 / 5814) per the U.S. Bank product page wording 'dining, takeout and restaurant delivery'
• 2X Altitude points at grocery stores and supermarkets, UNCAPPED (with the explicit carve-out that wholesale clubs and discount stores / supercenters such as Target, Walmart, Sam's Club, Costco, and BJ's are excluded from the 2X grocery category and earn only the base 1X rate per the U.S. Bank Program Rules footnote)
• 2X Altitude points at gas stations AND electric vehicle (EV) charging stations, UNCAPPED (the EV-charging-station bonus category is rare among no-annual-fee cards and explicitly called out by the issuer; wholesale-club fuel stations, discount-store / supercenter fuel stations, and grocery-store fuel pumps will earn only the base 1X rate, per the U.S. Bank Program Rules)
• 2X Altitude points on qualifying streaming subscription services, UNCAPPED (per the U.S. Bank issuer product page; qualifying streaming list includes Netflix, Hulu, Apple Music, Apple TV, Amazon Music Unlimited, Amazon Prime Video, AMC+, Disney+, Spotify, Pandora, Sling TV, YouTube TV, ESPN+, fuboTV, and similar, with the official current list maintained in the U.S. Bank Program Rules; bundles that include non-streaming services may not qualify)
• 1X Altitude points on all other eligible Net Purchases with no cap (per the U.S. Bank Cardmember Agreement; Net Purchases are Purchases minus credits and returns, and exclude cash advances, balance transfers, convenience checks, fees, interest charges, and any ineligible transactions)
• $15 annual streaming service statement credit: an automatic $15 statement credit per 12-month period is applied to the Altitude Go Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming-service purchases, provided the Account is in good standing (not past due or overlimit), per the U.S. Bank Program Rules footnote; the qualifying streaming-services merchant list matches the 2X streaming list and the credit largely offsets the cost of one budget streaming subscription each year for active cardholders
• 0% intro APR on purchases for the first 15 billing cycles from account opening, then a variable purchase APR applies (per the U.S. Bank issuer product page disclosure; current go-to variable APR range is disclosed in the U.S. Bank Schumer Box pricing terms at application and adjusts with the Prime Rate)
• 0% intro APR on balance transfers for the first 15 billing cycles, valid only on Balance Transfers made within the first 60 days of account opening; after the intro period, a variable APR applies (per the U.S. Bank Cardmember Agreement)
• Balance Transfer fee: 5% of each transfer amount, $5 minimum (per the U.S. Bank pricing terms; the 0% intro APR on balance transfers does NOT waive the balance transfer fee, so the effective break-even on a large balance transfer requires accounting for the 5% upfront fee)
• Introductory rate does NOT apply to Cash Advances (per the U.S. Bank Cardmember Agreement; cash advances incur the standard cash-advance APR and the standard cash-advance fee from day one with no grace period)
• U.S. Bank ExtendPay Plan available: cardholders can split eligible purchases into fixed monthly payments with no interest, only a fixed monthly ExtendPay fee, on Plans opened in the first 60 days after account opening at $0 fee promotional pricing per the U.S. Bank issuer product page; eligible Purchases for ExtendPay must be made within 60 days prior to signing up for an ExtendPay Plan and are subject to the APR and minimum-payment calculation rules in the Cardmember Agreement
• Altitude Rewards Center redemption options at a fixed 1 cent per Altitude point: redeem for statement credit (deposit to an eligible U.S. Bank deposit account), merchandise, gift cards, travel (booked through the U.S. Bank Altitude travel portal), and charity (charitable redemptions receive a 100% match from U.S. Bank, effectively doubling the redemption value when given to charity, per the U.S. Bank issuer product page)
• Altitude points DO NOT expire as long as the account is open and in good standing, per the U.S. Bank product page FAQ ('Points will not expire as long as you keep your account active'); maximum point value (1 cent per point) applies to deposit-to-account redemptions, and other redemption types (travel, merchandise, gift cards, statement credit) may have a different effective value depending on the catalog item
• Altitude points on the Altitude Go are a closed-loop redemption-style currency: there are NO airline or hotel transfer partners and Altitude points cannot be converted to a transferable miles / points program; redemptions are limited to the U.S. Bank Altitude Rewards Center options listed above (this differs from the premium U.S. Bank Altitude Reserve, which historically offered Real-Time Mobile Rewards at a higher per-point value on travel codes, but the Altitude Go's redemption rate is a flat 1 cent per point)
• Real-Time Rewards: Altitude Go cardholders can enroll in Real-Time Rewards, which sends a text after eligible purchases asking whether to redeem accumulated Altitude points immediately to cover that transaction; cardholders reply 'REDEEM' to apply points at 1 cent per point as a statement credit against the purchase, provided they have enough points to cover the entire purchase, per the U.S. Bank issuer product page FAQ
• Visa Signature card benefits: the Altitude Go is issued as a Visa Signature product (qualifying applicants), which carries the standard Visa Signature benefit suite including Visa Signature Luxury Hotel Collection (best-rate guarantee, complimentary in-room WiFi, automatic room upgrade upon arrival when available, complimentary continental breakfast for two daily, $25 food / beverage credit, late checkout, VIP guest status), Visa Signature Concierge service (24/7 personal-assistance hotline), and Visa Signature roadside dispatch (pay-per-use roadside assistance, with the service call charged to the cardholder per the Visa Signature Visa Benefits Guide)
• No foreign transaction fee on the U.S. Bank Altitude Go Visa Signature: international purchases are processed at the Visa wholesale exchange rate with no markup, per the U.S. Bank Schumer Box pricing terms (this is unusual and a strong perk for a no-annual-fee dining card; the more common no-AF U.S. Bank Cash+ Visa Signature carries a 3% foreign transaction fee, so the Altitude Go is the better travel companion of the two)
• Contactless tap-to-pay supported and mobile-wallet enabled (Apple Pay, Google Pay, Samsung Pay) per the U.S. Bank product page; eligible new applicants may receive a digital card immediately upon approval that can be added to a mobile wallet for use before the physical card arrives
• U.S. Bank Mobile App rewards management: redemption is initiated by logging in at usbank.com or in the U.S. Bank Mobile App, selecting 'View rewards' on the Altitude Go Card on the Dashboard, then selecting the 'Redeem rewards' button and choosing the redemption type, per the U.S. Bank issuer product page FAQ
• 100% charity-redemption match: when Altitude points are redeemed towards a monetary charitable contribution through the Altitude Rewards Center, U.S. Bank will match the contribution at 100%, effectively doubling the redemption value when redirected to charity, per the U.S. Bank issuer product page FAQ
• NerdWallet 2024 Best-Of Award winner for Best Credit Card for Dining Benefits (the Altitude Go has won this category 4 times, per the U.S. Bank product page Awards and Accolades section), and Wallethub Best Credit Cards for Restaurants and Best Credit Cards for Streaming Services
• Authorized users supported at no additional annual fee (the card has no annual fee for the primary cardmember, and U.S. Bank does not charge an authorized-user fee on the Altitude Go; all authorized-user spend earns Altitude points into the primary cardmember's pooled Altitude Rewards account)
• Recommended credit profile: U.S. Bank states on its product page FAQ that 'in general, our credit card products are for customers with a credit score in the good to excellent range,' so applicants should expect to need roughly a 670+ FICO score, with the strongest approval odds at 720+; U.S. Bank also offers a 'See if I'm pre-approved' soft-pull eligibility check on the product page that does not affect the applicant's credit score
• Transfer partners: Not offered on the U.S. Bank Altitude Go (Altitude points on this card are a redemption-style closed-loop currency capped at 1 cent per point and cannot be transferred to any airline or hotel partner; this is the principal limitation of the card versus transferable-point earners like the Chase Sapphire Preferred, Amex Gold, Capital One Venture X, or Citi Strata Premier, but the dining-category 4X rate combined with the $0 annual fee still produces a strong cents-per-dollar return on restaurants)
• Airport lounge access, Priority Pass, lounge guest privileges, day-pass credits: Not offered on the U.S. Bank Altitude Go (this is a $0 annual fee card and lounge access is reserved for the U.S. Bank Altitude Reserve and U.S. Bank Altitude Connect tiers; cardholders who want lounge access from the U.S. Bank stable need to upgrade to a fee-charging Altitude product)
• Travel insurance package (trip cancellation, trip interruption, trip delay, baggage delay, lost-luggage reimbursement, primary auto rental collision damage waiver, emergency evacuation, travel accident insurance): Not offered on the Altitude Go as branded U.S. Bank protections; cardholders receive only the underlying Visa Signature benefits package (such as Visa Signature roadside dispatch on a pay-per-use basis), which is meaningfully weaker than the Chase Sapphire Preferred or Capital One Venture X travel-insurance suite
• Annual travel credit, hotel elite-status credit, ride-share credit, Global Entry / TSA PreCheck application fee credit: Not offered on the U.S. Bank Altitude Go (these premium-card perks are reserved for the U.S. Bank Altitude Reserve and competing fee-charging issuer flagships; the Altitude Go has no recurring annual statement credits other than the $15 annual streaming credit described above)
• Cell Phone Protection, Purchase Protection, Extended Warranty Protection, Return Protection, Price Protection: Not specifically called out on the current U.S. Bank Altitude Go product page (the card relies on the Visa Signature benefit floor, which does not include cell phone protection on this product; applicants who need cell phone insurance should look to a Wells Fargo, Chase, or Capital One product that explicitly lists it)