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U.S. Bank Altitude Go Card Review: Big Bonuses on Dining and Streaming

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
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OFFER STATUS

U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

The U.S. Bank Altitude® Go Visa Signature® Card is a high-value rewards credit card that won't cost you a penny for the annual fee. It carries a strong set of benefits, including bonus rewards, 0% intro APR offers, and even money back on your streaming purchases. Check out our detailed U.S. Bank Altitude® Go Visa Signature® Card review for a full look at what this card offers.

Ratings Methodology

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

U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 17.74% to 28.74% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0%, 12 billing cycles

Regular APR

17.74% to 28.74% (Variable)

Rewards Circle with letter I in it. 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 (excluding warehouse clubs and discount stores/supercenters), grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

1x - 4x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 bonus points

  • A great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • 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 at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded).
    • 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 17.74% to 28.74%.
    • No Annual Fee
    • Points never expire as long as your account is active.
    • Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
    • Terms and conditions apply.
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Full U.S. Bank Altitude Go Card review

This credit card is a good fit for: Foodies who spend quite a bit on dining, whether that's from going out to eat, getting takeout, or ordering delivery.

Top perks

The U.S. Bank Altitude® Go Visa Signature® Card has a nice set of features, which include bonus opportunities and an intro 0% APR offer.

20,000 bonus points

As a new cardholder, you'll earn this 20,000 bonus points sign-up bonus for spending $1,000 in the first 90 days. Each point is worth $0.01, giving this bonus a value of $200. That's competitive with the best sign-up bonuses among credit cards that don't charge an annual fee.

SEE MORE: Best Sign-Up Bonus Credit Cards

Up to 4 points per $1

The U.S. Bank Altitude® Go Visa Signature® Card earns:

  • 4X points per $1 on dining, takeout, and restaurant delivery
  • 2X points per $1 on groceries (excluding warehouse clubs and discount stores/supercenters) and grocery delivery, gas, EV charging, and streaming services
  • 1X points per $1 on other purchases

This card is made for consumers who spend a lot on dining, because 4X points in that category is as good as I've seen. The additional bonus categories are nice extras, but you could get 2% back or more in all those areas from other rewards credit cards.

COMPARE MORE OPTIONS: Best Rewards Credit Cards

No annual fee

If you're sticking to no annual fee credit cards, this one fits the bill. This type of card works well for consumers on a tight budget or who aren't big spenders.

0% intro APR for 12 billing cycles

This credit card offers an introductory APR of 0% for 12 billing cycles on purchases and balance transfers. Whether you want to pay off purchases over time or cut down credit card debt, this offer will help you save on credit card interest. Note that the 0% intro APR on balance transfers only applies to balance transfers made within 60 days of account opening. A balance transfer fee applies: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

After the intro period, the go-to 17.74% to 28.74% (Variable) APR applies. Try to pay off your entire balance before then so you don't get charged any interest going forward.

READ MORE: Best 0% APR Credit Cards

$15 annual streaming credit

A unique perk of the U.S. Bank Altitude® Go Visa Signature® Card is a $15 annual streaming credit. To get this credit, you must make eligible streaming purchases for 11 consecutive months. There are well over a dozen eligible streaming services, including Netflix, Disney+, Spotify, Hulu, and SiriusXM.

LEARN MORE: Best Credit Cards for Streaming Services

No foreign transaction fee

Some credit cards, especially no annual fee cards, tack on a 3% foreign transaction fee for international purchases. This U.S. Bank card doesn't, so it's a good choice to take along when you're traveling outside the country.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

What could be improved

There isn't much to complain about with the U.S. Bank Altitude® Go Visa Signature® Card, but it has a small drawback.

Cash back redemption minimum

This card offers several ways to redeem points, including travel, gift cards, and cash back, and you get $0.01 per point with all of them. But there's a 2,500-point ($25) redemption minimum for cash back. Redemption minimums can be frustrating, and many cash back cards don't have them. If you'd rather avoid this, explore other credit card reviews to find one with more flexible redemption options.

Find the best credit card for your needs
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Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

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Suggested credit score

We recommend that you have a FICO® Score of 670 or higher to apply for the U.S. Bank Altitude® Go Visa Signature® Card. Applicants who get approved for this card usually have good to excellent credit.

There are reports that U.S. Bank has denied some applicants, at least in part because of the number of credit cards they've gotten recently. If you've opened multiple credit cards within the past six months to a year, this is something to be aware of.

READ MORE: Best U.S. Bank Credit Cards

The U.S. Bank Altitude Go Card is right for you if:

You eat out often and dining is one of your top two or three expenses each month.

The U.S. Bank Altitude® Go Visa Signature® Card has plenty of perks and no major flaws. It's great if you want to finance a purchase at a 0% intro APR, get a yearly credit on streaming purchases, or have a no annual fee card with no foreign transaction fee. But its top feature is big dining rewards, so it's made for consumers who spend a lot in that area.

SEE MORE TOP OPTIONS: Best Credit Cards for Dining and Restaurants

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The credit limit for the U.S. Bank Altitude® Go Visa Signature® Card generally ranges from $1,000 to $25,000 or more, depending on your creditworthiness. Many cardholders have reported credit limits of at least $10,000 with this card, and U.S. Bank often gives generous credit limit increases.

  • No, the U.S. Bank Altitude® Go Visa Signature® Card doesn't have foreign transaction fees.

  • It usually isn't hard to get the U.S. Bank Altitude® Go Visa Signature® Card if you have good or excellent credit. Aim for a FICO® Score of 670 or more.