If you're looking for a credit card with a $0 annual fee and an introductory 0% APR offer, you may be considering the BankAmericard and the U.S. Bank Altitude Go Visa Signature cards. The BankAmericard offers a longer 0% intro APR period on purchases and balance transfers, making it ideal for those who need more time to pay off balances. By contrast, the U.S. Bank Altitude Go Visa Signature is tailored for people who want to earn rewards, offering 4 points per dollar on dining and a sign-up bonus.
BankAmericard® Credit Card
vs. U.S. Bank Altitude® Go Visa Signature® Card
Updated: April 22, 2024
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BankAmericard® Credit Card
U.S. Bank Altitude® Go Visa Signature® Card
- Regular APR16.24% – 26.24% variable18.24%–29.24% variable0% APR Offer0% intro APR for first 18 billing cycles0% introductory APR for the first 12 billing cyclesBalance Transfer Offer0% intro APR for first 18 billing cycles0% introductory APR for the first 12 billing cyclesAnnual Fee$0$0Rewards Summary-Earn 1X – 4X pointsEarn 4X points per dollar spent on dining (including takeout and delivery), 2X points per dollar spent on grocery, gas and streaming service purchases and 1X point per dollar on all other spending.Recommended Credit670-850 (Good to Excellent)670-850 (Good to Excellent)Not sure?
BankAmericard vs. U.S. Bank Altitude Go Visa Signature: Which Is Better for You?
You might prefer the BankAmericard if: you're seeking a longer runway to pay off existing balances or finance new purchases without accruing interest. With an introductory 0% APR for the first 18 billing cycles on both purchases and balance transfers, this card offers one of the lengthiest interest-free periods available. It's a solid choice for those with good to excellent credit who want to make a large purchase or transfer balances and pay them down over time without the added cost of interest.
You might prefer the U.S. Bank Altitude Go Visa Signature if: your spending aligns with its reward categories, especially dining. This card shines with its 4X points on dining, including takeout and delivery, and provides a 0% introductory APR for the first 12 billing cycles for purchases and balance transfers. If you're a food enthusiast who enjoys eating out or ordering in, the rewards potential of this card can be quite appetizing.
MoneyGeek's Take on the BankAmericard
The BankAmericard earns a strong MoneyGeek Balance Transfer Card Rating of 4.3 out of 5, reflecting its appeal for people looking to manage existing debt. With no annual fee and an introductory 0% APR on both purchases and balance transfers for the first 18 billing cycles, it's a solid choice for consumers with good to excellent credit scores ranging from 670 to 850. Athough it doesn't offer rewards, its value lies in the potential savings on interest, making it suitable for individuals focused on paying down balances rather than earning points or cash back.
BankAmericard® Credit Card
Regular APR
16.24% – 26.24% variable0% APR Offer
0% intro APR for first 18 billing cyclesBalance Transfer Offer
0% intro APR for first 18 billing cyclesRewards Summary
N/ARecommended Credit
670-850 (Good to Excellent)MoneyGeek's Take on the U.S. Bank Altitude Go Visa Signature
The U.S. Bank Altitude Go Visa Signature is a strong contender for those who dine out frequently. With a MoneyGeek rating of 2.8 for balance transfers it's not the best balance transfer on the market. The card boasts a $0 annual fee and offers an enticing 4X points on dining, including takeout and delivery, making it a rewarding choice for food enthusiasts. Additionally, cardholders can benefit from a generous introductory offer, earning 20,000 bonus points after meeting the spending requirements.
For new purchases and balance transfers, it offers 0% introductory APR for the first 12 billing cycles, providing a window of opportunity for interest-free payments. Although the card does not offer point transfer options and has a fairly short introductory APR period compared with some competitors, its rewards and benefits are tailored for those who prioritize dining and food-related expenditures in their budget.
U.S. Bank Altitude® Go Visa Signature® Card
Regular APR
18.24%–29.24% variable0% APR Offer
0% introductory APR for the first 12 billing cycle...Balance Transfer Offer
0% introductory APR for the first 12 billing cycle...Rewards Summary
Earn 1X – 4X points
Earn 4X points per dollar spent on dining (including takeout and delivery), 2X points per dollar spent on grocery, gas and streaming service purchases and 1X point per dollar on all other spending.
Recommended Credit
670-850 (Good to Excellent)Details Comparison: BankAmericard vs. U.S. Bank Altitude Go Visa Signature
Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features to guide your card selection. For instance, if you frequently dine out, the U.S. Bank Altitude Go Visa Signature's rewards on dining could sway your decision. Alternatively, if you're planning a balance transfer, the BankAmericard's longer intro APR period might be more appealing.
Regular APR
The BankAmericard offers a lower APR range of 16.24% to 26.24% variable, making it more favorable for people concerned with interest rates. By contrast, the U.S. Bank Altitude Go Visa Signature has a higher APR range of 18.24% to 29.24% variable.
Annual Fee
Both cards have a $0 annual fee. This makes them equally attractive for users looking to avoid yearly charges.
Introductory 0% APRs
The BankAmericard offers a longer introductory 0% APR period for both purchases and balance transfers, lasting for the first 18 billing cycles, compared with the U.S. Bank Altitude Go Visa Signature's 12 cycles. This makes the BankAmericard better if you're seeking a longer duration to pay off purchases or balance transfers without interest.
Rewards
The U.S. Bank Altitude Go Visa Signature is better for rewards, offering 4 points per dollar on dining; 2 points on groceries, gas stations, EV charging stations, and streaming services; and 1 point on all other eligible purchases. By contrast, the BankAmericard does not offer any rewards.
Welcome Offers
The U.S. Bank Altitude Go Visa Signature is better for welcome offers, offering 20,000 bonus points for spending $1,000 in the first 90 days. The BankAmericard does not offer a welcome bonus.
Recommended Credit Score
The BankAmericard provides a clear expectation of the credit score needed for approval: 670 to 850, indicating suitability for those with good to excellent credit. By contrast, the recommended credit rating for the Alitutde Go card is excellent.
Penalties and Fees
The U.S. Bank Altitude Go Visa Signature is better for penalties and fees due to its absence of foreign transaction fees. Both cards charge up to $40 and $41 for late fees, respectively, and have a cash advance fee of 5%. But the BankAmericard imposes a 3% foreign transaction fee.
Issuer Satisfaction
The BankAmericard has a higher issuer satisfaction than the Altitude Go card.
Other Features & Perks
The U.S. Bank Altitude Go Visa Signature is better for additional perks due to its streaming service credit and no foreign transaction fees, which are not offered by the BankAmericard.
FAQ: BankAmericard vs. U.S. Bank Altitude Go Visa Signature
What are the APRs for the BankAmericard® Credit Card and the U.S. Bank Altitude® Go Visa Signature® Card?
The BankAmericard offers a 16.24% to 26.24% variable APR, while the U.S. Bank Altitude Go Visa Signature has an 18.24% to 29.24% variable APR. Both cards offer competitive 0% introductory APRs.
How do the fees for balance transfers compare between the two cards?
Both cards charge a 3% balance transfer fee, but the U.S. Bank Altitude Go includes a $5 minimum.
Which card offers better rewards, the BankAmericard® or the U.S. Bank Altitude® Go Visa Signature®?
The U.S. Bank Altitude Go Visa Signature offers 4 points per dollar on dining — putting it among our best rewards cards — while the BankAmericard does not offer rewards.
What are the introductory offers for each card?
The U.S. Bank Altitude Go Visa Signature offers 20,000 bonus points as an intro offer, while the BankAmericard has no introductory offer.
What credit score is required for the BankAmericard® Credit Card and the U.S. Bank Altitude® Go Visa Signature® Card?
The BankAmericard recommends a credit score of 670 to 850. Excellent credit is recommended for appropval on the Altitude Go card does not specify a score.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.