U.S. Bank Altitude^® Go Visa Signature^® Card Review: Everyday Rewards, No Annual Fee

If your weekends revolve around restaurant hopping, food delivery apps and streaming your favorite shows, the U.S. Bank Altitude^® Go Visa Signature^® Card could be a great match. It’s designed for everyday spenders who want to earn rewards across common categories without the burden of an annual fee. You’ll also get a modest yearly streaming credit.

Just know this card lacks common protections like extended warranty or travel coverage. Plus, its overall rewards value doesn’t go as far as some alternatives, like the Capital One Savor Cash Rewards Credit Card.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good / Excellent

Rewards Rate: 1X - 4X points

• Earn 4X points on dining, takeout, and restaurant delivery on your first $2,000 each quarter
• Earn 2X points at grocery stores, gas stations, EV charging stations and on streaming services.
• Earn 1X points on all other eligible purchases.

Welcome offer: 20,000 points

• Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

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Rates

• Intro purchase APR: 0% for 15 billing cycles on purchases
• Regular purchase APR: 17.49% to 28.49% (Variable)
• Intro balance transfer APR: 0% for 15 billing cycles on balance transfers
• Regular balance transfer APR: 17.49% to 28.49% (Variable)
• Regular cash advance APR: 30.49%
• Penalty APR: N/A

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Fees

• Annual fee: $0
• Balance transfer fee: 5% of the amount of each transfer or $5 minimum, whichever is greater
• Cash advance fee: 5% of the amount of each advance or $10 minimum, whichever is greater
• Foreign exchange fee: 3% of each foreign transaction

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Other benefits

• $15 annual streaming bonus
• Pay over time with a U.S. Bank ExtendPay^® Plan
• Earn additional points with Shopping Deals

• High dining rewards (4X) with a $0 annual fee

  One of the standout benefits of the U.S. Bank Altitude^® Go Visa Signature^® Card is its high rewards rate on dining — a level of earning typically reserved for cards with annual fees. Earn 4X points on $2,000 in dining, takeout, and restaurant delivery spend each quarter, 2X points at grocery stores, gas stations, EV charging stations and on streaming services. And earn 1X points on all other eligible purchases.

  A recent LendingTree study found that food delivery can cost nearly 80% more than picking up the same meal. The U.S. Bank Altitude^® Go Visa Signature^® Card helps soften the blow with 4X points on dining and delivery.

  How do I redeem rewards? You can redeem points for cash back, travel, gift cards, merchandise and more through U.S. Bank’s Rewards Center. You can also enroll in Real-Time Rewards to redeem points instantly for eligible purchases via text message, or transfer up to 20,000 points per year to another qualifying U.S. Bank Altitude account.

  → See all of LendingTree’s top picks for dining credit cards.

• Earn a $15 annual streaming service credit

  The U.S. Bank Altitude^® Go Visa Signature^® Card offers a $15 streaming service credit after 11 months of streaming purchases. It won’t cover a full year of service, but it can discount a subscription bill you’re already paying on top of the card’s 2X streaming rewards. Services include:

  • Amazon Music
  • Amazon Prime Video
  • Apple Music
  • Apple TV+
  • Audible
  • Discovery+

  • Disney+
  • ESPN+
  • Hulu
  • Netflix
  • Spotify
  • YouTube TV

  → See U.S. Bank’s full list of streaming services.

  More than three-quarters of moviegoers now say they prefer streaming at home over going to the theater, according to a recent LendingTree survey. If streaming is already part of your routine, the $15 credit is an easy win.

• Earn 20,000 points

  The U.S. Bank Altitude^® Go Visa Signature^® Card comes with a solid sign-up bonus worth around $200. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. This is comparable to cards like the Capital One Savor Cash Rewards Credit Card, though the spending threshold is higher than average.

• Intro APR on purchases and balance transfers

  The U.S. Bank Altitude^® Go Visa Signature^® Card offers a solid 0% intro APR on both purchases and balance transfers. There’s an intro APR of 0% for 15 billing cycles on purchases and 0% for 15 billing cycles on balance transfers. Then, a 17.49% to 28.49% (Variable) APR applies.

  It’s a solid option to finance a purchase or pay down existing debt without interest, though some cards offer 0% intro APRs for up to 21 months.

  A LendingTree study found that the typical length of a 0% balance transfer offer is 15 months, with 82% of 0% balance transfer credit cards offering introductory periods of either 12 or 15 months. The longest duration you can find for a 0% balance transfer card is 21 months.

  → Wondering how to do a U.S. Bank balance transfer? See LendingTree’s full guide.

• $2,000 quarterly cap on 4X bonus

  The card’s biggest limitation is the $2,000 quarterly cap on its 4X bonus category. After hitting that cap, you’ll only earn 1% on dining, takeout and restaurant delivery purchases for the rest of the quarter. That breaks down to about $667 per month — not a dealbreaker for many, but heavy restaurant goers should do the math to make sure the card makes sense for them.

  Tip: Consider switching to a flat-rate rewards card like the Wells Fargo Active Cash^® Card once you reach the quarterly cap.

• Rewards have lower value than competing no-annual-fee cards

  Our estimates show the U.S. Bank Altitude^® Go Visa Signature^® Card earns about $0.020 in rewards per $1 spent. This is a solid return, but slightly below a few competing no-annual-fee cards:

  • Capital One Savor Cash Rewards Credit Card: $0.023 per $1 spent
  • Chase Freedom Unlimited^®: $0.021 per $1 spent
  • Citi Custom Cash^® Card: $0.021 per $1 spent

  These small differences may not matter for casual spenders, but if you’re looking to maximize rewards, even a 0.01 to 0.02 cent difference per dollar can add up over time, especially if you’re spending heavily in dining or grocery categories.

  Real users have noticed this too: Some Reddit users still recommend the card for dining but say that newer options give a better return, like the Citi Custom Cash^® Card. Others point out that a 2% flat-rate card can match the card’s non-dining categories with more flexibility

• Missing purchase and travel protections

  Beyond rewards and the annual streaming credit, the U.S. Bank Altitude^® Go Visa Signature^® Card doesn’t offer many additional perks. You won’t get common protections like extended warranty coverage, purchase protection and travel-related benefits.

  That’s not unusual for a no-annual-fee card, but some competitors offer more. For example, the Chase Freedom Unlimited^® includes extended warranty, purchase protection, rental car insurance and even trip cancellation/interruption coverage. It’s worth comparing benefit guides if those perks matter to you.

• Foreign transaction fees

  This card isn’t ideal for international travel, as it charges a fee of 3% of each foreign transaction on purchases made abroad. If you’re heading abroad, a card with no foreign transaction fees — like the Capital One Savor Cash Rewards Credit Card — may be a better fit.

  → See all of LendingTree’s top picks for the best credit cards with no foreign transaction fees.

• Approval typically requires good / excellent credit

  U.S. Bank generally requires good / excellent credit (a FICO Score of 660 or higher) to qualify for the U.S. Bank Altitude^® Go Visa Signature^® Card. If your score is lower, the U.S. Bank Altitude Go Visa Secured Card may be a better fit for building or rebuilding credit.

U.S. Bank Altitude^® Go Visa Signature^® Card vs. Chase Freedom Unlimited^®

The Chase Freedom Unlimited^® is a better option than the U.S. Bank Altitude^® Go Visa Signature^® Card if you want consistent rewards across all purchases and more built-in protections. It not only earns a higher-than-average flat rate on spending but also offers extended warranty, purchase protection and added value for travel booked through Chase.

→ See LendingTree’s full review of the Chase Freedom Unlimited^®.

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U.S. Bank Altitude^® Go Visa Signature^® Card vs. Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is a stronger option overall than the U.S. Bank Altitude^® Go Visa Signature^® Card because it offers elevated cash back across more categories, including dining and entertainment, with no rewards cap. It also charges no foreign transaction fees, making it a better pick for travelers.

→ See LendingTree’s full review of the Capital One Savor Cash Rewards Credit Card.

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U.S. Bank Altitude^® Go Visa Signature^® Card vs. Citi Custom Cash^® Card

If your spending tends to be concentrated in a single category, the Citi Custom Cash^® Card might be a better option than the U.S. Bank Altitude^® Go Visa Signature^® Card. It automatically adjusts to your highest spend category each billing cycle, offering better value without the need to track spending manually. But keep in mind the 5% rate only applies to the first $500 spent each billing cycle, and you’ll only earn 1% cash back on all other purchases.

→ See LendingTree’s full review of the Citi Custom Cash^® Card.

The U.S. Bank Altitude^® Go Visa Signature^® Card is a solid pick if you want straightforward rewards on the types of purchases that fit your lifestyle, from meals out to media subscriptions, for no annual fee. It’s best for cardholders who value simplicity over premium perks.

If you’re looking for stronger all-around value or additional protections, there may be better fits:

• For broader rewards and built-in benefits like extended warranty and purchase protection, choose the Chase Freedom Unlimited^®.
• If you want a travel-friendly option or spend heavily on entertainment, the Capital One Savor Cash Rewards Credit Card could be more rewarding.
• For flexible earners, the Citi Custom Cash^® Card adjusts to your highest spending category each billing cycle, offering a hands-off way to maximize rewards.

→ See the best cash back credit cards.

We take a comprehensive, data-driven approach to identify the best rewards credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

• Average value over two years (80% of rating): We calculate the rewards earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up bonuses and annual bonuses (including annual free night certificates). We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
• Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors like expiration dates, minimum redemption thresholds, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
• Other features (5% of rating): We also compare a card’s benefits — such as purchase protections, travel protections, elite status benefits and travel credits — against benefits from other cards.