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U.S. Bank Altitude Go Visa Signature Card Review

overall rating

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The U.S. Bank Altitude Go Visa Signature card provides an excellent opportunity to maximize your rewards on dining, whether you’re eating in or taking out. The card also provides an annual streaming benefit, as well as bonus rewards on a handful of everyday spending categories. If you’re looking for a no-annual-fee card with outsized value, this one should be on your radar.

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

Overall Rating
U.S. Bank Altitude® Go Visa Signature® Card
On U.S. Bank's Secured Site.
Current 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.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 19.49% - 28.49% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
INTRO PURCHASE APR 0% for 12 Billing Cycles
INTRO BALANCE TRANSFER APR 0% for 12 Billing Cycles
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

Currently rated one of our

Full Review of U.S. Bank Altitude Go Visa Signature Card

  • Standout rewards on dining

  • Annual bonus for streaming services

  • No annual fee and 0% introductory APR

  • Low base rewards rate

  • Less value than some annual-fee cards

Pros Explained

  • Standout Rewards on Dining: The U.S. Bank Altitude Go Visa Signature card offers a whopping 4 points per dollar on dining, takeout, and food delivery services. That’s tied for the best rewards rate on dining-related purchases among major credit cards. Other dining heavyweights include the Capital One Savor Cash Back Rewards card and the American Express Gold card. However, neither of those cards offers bonus rewards on purchases made with food delivery services, which is specifically included with this one. Both also carry pricey annual fees—with Savor charging $95 per year and American Express Gold charging $250.
  • Annual Bonus for Streaming Services: With this card, you’ll get a $15 credit once a year when you use it for eligible streaming services for 11 consecutive months. Options include Netflix, Spotify, Pandora, Amazon Music, and YouTubeTV.
  • No Annual Fee and 0% Introductory APR: Despite the card’s solid rewards, it doesn’t charge an annual fee, so you don’t have to run the numbers to make sure you’re getting enough value to justify the upfront cost. It also has an introductory 0% APR on purchases and balance transfers for 12 billing cycles. This means that you can make a large purchase or transfer a balance from another card, and you’ll get a year to pay it off interest-free. The card does, however, charge a fee for balance transfers: either $5 or 3% of the amount of the transfer, whichever is greater.

Cons Explained

  • Low Base Rewards Rate: This card offers bonus rewards on a lot of everyday spending categories, but its base rewards rate is just 1 point per dollar. As a result, many of your purchases will likely net a mediocre rewards rate. To maximize your rewards, you might consider pairing this card with one that offers a base rewards rate of 1.5% or 2%, such as the Chase Freedom Unlimited or Citi Double Cash card.
  • Less Value Than Some Annual-Fee Cards: There’s not much to dislike about the U.S. Bank Altitude Go Visa Signature card. But if you’re looking for even more value, you might be able to get it from an annual fee credit card. Some of these cards have much bigger one-time offers, more valuable rewards, and other lucrative benefits.

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for Driver/Commuter Persona
    Incurs gasoline or other commuting expenses each month

The U.S. Bank Altitude Go Visa Signature card is best suited for people who spend a lot of money dining out, getting takeout, or ordering food delivery. The card’s 4X multiplier on these purchases will make it easy to rack up rewards quickly. 

Besides that, you’ll also get double points at grocery stores and even on grocery delivery services, which is an uncommon bonus category. So whether you’re buying food to make yourself or paying someone else to prepare your meals, you get extra points on the purchase.

This card could also be a good option for people who spend a lot on streaming services. While its 2% rewards rate on those purchases isn’t the best in the business—the Blue Cash Preferred card from American Express takes the crown with its 6% rewards rate (though with a $95 annual fee)—its annual streaming credit provides an added bonus.

U.S. Bank Altitude Go Visa Signature Card One-Time Offer

You’ll earn 20,000 bonus points if you spend $1,000 in the first 90 days on the card—that’s an effective 25% return on your spending. The bonus is worth $200 when redeemed, which is a solid value for a card with no annual fee. However, some similar cards offer one-time offers worth $150 or $200 after just $500 in spending.

Rewards Earning Details

This card offers 4 points per dollar on takeout, food delivery, and restaurant dining, as well as 2 points per dollar at grocery stores and gas stations and on grocery delivery and streaming services. Everything else earns 1 point per dollar. 

The dining-related bonus rewards are among the best you can find. But if you’re specifically looking for a card that offers extra points on groceries, gas, and streaming services, you can get better rewards rates with other cards.

Rewards Redemption Details

U.S. Bank offers several redemption options, including cash back, gift cards, travel, and merchandise. Points are worth 1 cent apiece across all redemptions, and they never expire.

How to Maximize Your Rewards

The best way to maximize rewards with the U.S. Bank Altitude Go Visa Signature card is to pair it with another card that offers a high rewards rate in all spending categories. If you use this card for its bonus rewards categories and the second card for everything else, you’ll always get more than 1% back on your purchases.

Also, be sure to spend enough in the first few months to earn the card’s one-time offer. You may not be able to do that with bonus spending alone, so plan to use the card for most of your purchases until you hit the $1,000 threshold—that’s about $333 per month for the three months.

Cardholder Experience

Among the 11 national issuers in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study, U.S. Bank ranked 10th, with a below-average rating of 782 out of 1,000. The average score was 860.

U.S. Bank offers complimentary access to your VantageScore credit score, which can give you a good idea of your credit standing. However, many other major card issuers offer access to your FICO credit score, which is more widely used by lenders.

You can manage your account through online banking or with the U.S. Bank mobile app. If you need assistance, customer service is available 24 hours a day, seven days a week.

Security Features

The U.S. Bank mobile app allows you to lock and unlock your card, which can be helpful if you’ve misplaced the card or think someone has stolen it and you want to prevent any unauthorized purchases. U.S. Bank also offers other standard security measures to protect cardholders.

Fees to Watch out For

For the most part, the U.S. Bank Altitude Go Visa Signature card’s fees are pretty standard. One exception is that the card doesn’t charge foreign transaction fees. Most non-travel credit cards charge up to 3% on purchases made abroad.

Our Verdict

The U.S. Bank Altitude Go Visa Signature card offers a lot of value for a credit card with no annual fee. It’s especially worth considering if you frequently dine out or order in. And the card’s $15 annual streaming credit can make a modest contribution to your entertainment budget. However, the card’s other rewards rates aren’t the best available, so it might be better paired with another rewards credit card that can get you a high rate on all of your purchases.

Next Steps
For U.S. Bank Altitude® Go Visa Signature® Card
on U.S. Bank's Secured Site.
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U.S. Bank Altitude® Go Visa Signature® Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 19.49% - 28.49% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.