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The U.S. Bank Altitude® Go Visa Signature® Card is a solid choice if you’re looking for a no-annual-fee card that earns strong rewards on dining, groceries, streaming, and gas. The welcome bonus is worth $200 in cash back, travel, gift cards, and more, but the card doesn’t come with many benefits.
Review: Is the US Bank Altitude Go the best credit card for you?
There are several cards that’ll appeal to most spenders by offering extra points in bonus categories, like dining and grocery store purchases. While the best premium cards have annual fees, the U.S. Bank Altitude® Go Visa Signature® Card offers rewards in well-rounded bonus categories — especially eating out — with no annual fee and no foreign transaction fees.
The U.S. Bank Altitude® Go Visa Signature® Card earns 4x points on dining, takeout, and restaurant delivery, 2x points at grocery stores, grocery delivery, gas stations, EV charging stations, and streaming services, and 1x points on all other purchases.
It also comes with a $15 annual streaming bonus for eligible services like Netflix, Apple TV+, Spotify, and others.
You’ll earn a welcome bonus of U.S. Bank Altitude® Go Visa Signature® Card (worth $200 toward merchandise, gift cards, cash back, and more). That’s a decent bonus for a card with no annual fee, especially if you’ll take advantage of the bonus categories or want to use the card’s other perks, such as the $15 annual streaming credit and no foreign transaction fees.
The U.S. Bank Altitude® Go Visa Signature® Card earns points that are easy to redeem for rewards and are worth 1 cent each no matter how you redeem them. While other cards have redemption options of varying value, you’ll always know what you’re getting with the U.S. Bank Altitude® Go Visa Signature® Card.
Because of that, it’s essentially a cash-back card that offers a few extra reward options. Considering there’s no annual fee, the reward categories are strong and easy to use if you eat out often to earn 4x points (4% cash back), and earning 2x points (2% cash back) for grocery, gas station, EV charging, and streaming purchases is also a nice bonus. This card is most rewarding for foodies who like to spend a lot to eat out or order in.
The $15 steaming credit also adds to the card’s value, particularly because you’ll earn 2x points for those purchases in addition to the annual credit. It’s not a lot, but you’ll basically get a month free (or mostly free) each year with the card.
The U.S. Bank Altitude® Go Visa Signature® Card isn’t the most rewarding card in any specific category, but offers well-rounded rewards among several bonus categories. That said, the best category is dining, and earning 4x points with a no-annual-fee card represents excellent value if you’ll use the card for that spending. And while it’s possible to earn outsized rewards with transferable points cards, lots of folks don’t want the hassle or complexity.
The U.S. Bank Altitude® Go Visa Signature® Card is best if you’re looking for a single credit card that rewards your most common purchases and you don’t want to pay an annual fee. If you don’t spend a lot on dining, there are other cards that will better reward your usual spending habits.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards from the US Bank Altitude Go card
With the U.S. Bank Altitude® Go Visa Signature® Card, you’ll earn:
4 points per dollar spent on dining, takeout, and restaurant delivery2 points per dollar at grocery stores, gas stations, EV charging stations, and on grocery delivery and eligible streaming services 1 point per dollar on all other eligible purchases
The points you earn never expire as long as your card is open, and there are no limits to how many points you can earn.
It’s important to note that only certain streaming services are eligible to earn 2x points and the $15 annual streaming bonus. The current list of eligible merchants includes Apple Music, Apple TV+, AT&T TV NOW, Discovery+, Disney+, ESPN+, Fubo TV, Google Music, HBO Max, Hulu, Netflix, Paramount+, Peacock, SiriusXM, Slacker Radio, Sling TV, Spotify, Tidal, Vudu, and YouTube Music.
How to use points
The points you’ll earn with the U.S. Bank Altitude® Go Visa Signature® Card are worth 1 cent each regardless of how you redeem them, so choose the reward you like best.
You can redeem your points toward travel, merchandise, gift cards, cash back, or statement credits through the card’s online rewards portal. There’s a minimum redemption amount of 2,500 points ($25) if you’re redeeming for cash back or gift cards and 1,000 points ($10) for travel or merchandise.
You can also set up Real-Time Rewards and use your points instantly to cover a purchase you’re making with your card via your mobile device. This is a convenient feature that allows you to use your points within seconds of making an eligible purchase.
With Real-Time Rewards, you can redeem your points as you earn them instead of feeling like you need to save them for a big reward in the future. While you can certainly still do that, it’s also easy to earn points and redeem them for regular rewards on everyday purchases as you go along.
Benefits and features
The main benefit of the U.S. Bank Altitude® Go Visa Signature® Card is the bonus categories offered, but there are a few other benefits worth mentioning.
$15 annual streaming bonus
When you use the U.S. Bank Altitude® Go Visa Signature® Card to pay for eligible streaming services for 11 consecutive calendar months, you’ll receive an automatic $15 credit each year. The eligible streaming services for the credit are the same as those that qualify to earn 2x points.
0% introductory APR offer
New U.S. Bank Altitude® Go Visa Signature® Card cardholders receive a U.S. Bank Altitude® Go Visa Signature® Card, followed by a U.S. Bank Altitude® Go Visa Signature® Card APR.
This is useful if you have large purchases coming up you want to pay for over time, or if you want to consolidate high-interest debt from a different credit card. Just be sure you have a plan to pay off your balance before the introductory 0% APR period expires.
Roadside dispatch
U.S. Bank Altitude® Go Visa Signature® Card cardholders have access to a 24/7 roadside dispatch hotline that can help arrange services like towing, jumpstarting, or winching. The dispatch service itself is complimentary, but you’ll be charged a set fee for any services provided.
Travel and emergency assistance services
If you’re traveling and encounter some trouble, you can call a travel and emergency assistance hotline that can help arrange things like legal and medical referrals, prescriptions, translation services, locating lost luggage, and more. This service is also free, but any third-party costs are your responsibility.
Access to the Rewards Center Earn Mall
When you shop online and pay with your U.S. Bank Altitude® Go Visa Signature® Card at over 1,100 stores, you can earn additional points through the Rewards Center Earn Mall. You can access the portal through online banking.
Visa Signature benefits
Because the U.S. Bank Altitude® Go Visa Signature® Card is a Visa Signature card, cardholders can access extra benefits, including:
Visa Signature ConciergeVisa Signature Luxury Hotel Collection Visa Signature Golf Benefit by Troon Car rental discountsExtended warranty protection
Real-Time Rewards
US Bank is unique in that you can instantly redeem your points via text for eligible purchases. To do so, you’ll need to enroll first.
Then, you’ll receive a text when you make a purchase asking if you want to instantly redeem your points. Simply reply with “REDEEM” to complete the redemption. Points will instantly be deducted from your balance.
Fees and costs
The U.S. Bank Altitude® Go Visa Signature® Card doesn’t have an annual fee or foreign transaction fees, so there’s no cost to carry the card or use it overseas.
Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.
Comparison: US Bank Altitude Go vs other US bank cards
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank Altitude® Reserve Visa Infinite® Card
Annual fee
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank Altitude® Reserve Visa Infinite® Card
Rewards rate
4x points on takeout, food delivery, and dining
2x points at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations
1 point per dollar on all other eligible purchases
5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
4x points on travel, gas stations, and EV charging stations
2x points at grocery stores, grocery delivery, dining, and streaming services
1 point per dollar on all other eligible purchases
5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
3x points on travel and on mobile wallet purchases
1 point per dollar on all other eligible purchases
Welcome bonus
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank Altitude® Reserve Visa Infinite® Card
Card benefits
U.S. Bank Altitude® Go Visa Signature® Card, then a U.S. Bank Altitude® Go Visa Signature® Card APR
$15 annual credit for streaming service purchases
Roadside dispatch
Travel and emergency assistance services
Visa Signature benefits
No foreign transaction fees
$30 annual credit for streaming service purchases
Global Entry/TSA PreCheck application fee credit
Cell phone protection
Roadside dispatch
Travel and emergency assistance services
Visa Signature benefits
No foreign transaction fees
Up to $325 in annual travel credit
Global Entry/TSA PreCheck application fee credit
Priority Pass airport lounge access
12 complimentary Gogo inflight Wi-Fi passes per year
Car rental insurance
Trip cancellation/interruption insurance
Travel accident insurance
Lost luggage reimbursement
Emergency evacuation/transportation insurance
Trip delay reimbursement
Purchase protection
Return protection
Extended warranty
Personal identity theft insurance
Roadside dispatch
Travel and emergency assistance services
Visa Infinite benefits
No foreign transaction fees
Review
US Bank Altitude Connect card review
US Bank Altitude Reserve card review
US Bank Altitude Go vs other rewards credit cards
U.S. Bank Altitude® Go Visa Signature® Card
Capital One® Savor® Cash Rewards Credit Card
American Express® Gold Card
Annual fee
U.S. Bank Altitude® Go Visa Signature® Card
Capital One® Savor® Cash Rewards Credit Card
American Express® Gold Card
Rewards rate
4x points on takeout, food delivery, and dining
2x points at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations
1 point per dollar on all other eligible purchases
8% cash back on Vivid Seats purchases through January 31, 2023
4% cash back on dining, entertainment, and popular streaming services
3% cash back at grocery stores
1% back on all other purchases
4x points at restaurants and at US supermarkets*
3x points on flights booked with the airline or Amex Travel
1 point per dollar on all other purchases
Welcome bonus
U.S. Bank Altitude® Go Visa Signature® Card
Capital One® Savor® Cash Rewards Credit Card
American Express® Gold Card
Card benefits
U.S. Bank Altitude® Go Visa Signature® Card, then a U.S. Bank Altitude® Go Visa Signature® Card APR
$15 annual credit for streaming service purchases
Roadside dispatch
Travel and emergency assistance services
Visa Signature benefits
No foreign transaction fees
Extended warranty
Travel accident insurance
24-hour travel assistance services
Complimentary concierge service
No foreign transaction fees
Up to $10 in dining credits each month (up to $120 per year)***
Up to $10 in Uber Cash each month (up to $120 per calendar year)****
The Hotel Collection (property credits and upgrades)
Secondary car rental insurance
Baggage insurance
Trip delay insurance
Purchase protection
Extended warranty
Global Assist Hotline
Discounts and bonuses through Amex Offers**
No foreign transaction fees
Review
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*on up to $25,000 spent at U.S. supermarkets per calendar year, then 1x
***up to $10 in statement credits per month when you use the Amex Gold card at Grubhub, Seamless, The Cheesecake Factory, and participating Shake Shack locations. Enrollment required.
****up to $10 in Uber Cash per month (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit)
US Bank Altitude Go frequently asked questions (FAQ)
Is the US Bank Altitude Go worth it?
The U.S. Bank Altitude® Go Visa Signature® Card is worth it for foodies as you’ll earn unlimited 4x on dining, plus 2x on grocery store purchases, grocery deliveries, streaming services, and gas/EV charging station purchases. It has no annual fee and no foreign transaction fees. Moreover, you’ll get an annual $15 towards streaming service purchases.
However, the card doesn’t offer many perks, but that’s common for a no-annual-fee card. That said, if you’re looking for more lucrative benefits, you may be better off with a different rewards credit card.
What credit score do you need for the US Bank Altitude Go card?
Most folks approved for the U.S. Bank Altitude® Go Visa Signature® Card have between a good to excellent credit score (a FICO score of at least 670).
Is the US Bank Altitude Go a metal card?
Yes, the U.S. Bank Altitude® Go Visa Signature® Card is a metal card. The other US Bank-issued metal credit card is the U.S. Bank Altitude® Reserve Visa Infinite® Card.