U.S. Bank Cash+® Visa Signature® Card
vs. U.S. Bank Altitude® Go Visa Signature® Card

If you're looking for a U.S. Bank card with no annual fee and valuable rewards, you may be considering the U.S. Bank Cash+ Visa Signature Card and the U.S. Bank Altitude Go Visa Signature Card. The U.S. Bank Cash+ Visa Signature Card is generally better for those who prefer customizable rewards, offering 5% cash back on two categories of your choice.

In contrast, the U.S. Bank Altitude Go Visa Signature Card is ideal for dining enthusiasts, with four points per dollar spent on dining. Both cards offer attractive introductory APR periods and bonuses, but your spending habits will guide the best choice for you.

You might prefer the U.S. Bank Altitude Go Visa Signature Card if: If you frequently dine out or order in, as this card offers an impressive four points per dollar on dining, including takeout and delivery. With a high effective reward rate of 4.1, it's tailored for food enthusiasts lo(king to maximize their rewards on eating out. Additionally, if you value a straightforward rewards program without the need to choose categories, this card keeps it simple while still offering a generous return on your dining expenses.

You might prefer the U.S. Bank Cash+ Visa Signature Card if: If you have specific spending categories where you tend to spend the most money. This card allows you to select two categories each quarter to earn 5% cash back, which can be highly beneficial if your spending is concentrated in particular areas. Moreover, with a slightly higher rating for introductory purchases, this card might be the better option if you're planning a large purchase soon and want to take advantage of the introductory APR period.

The U.S. Bank Cash+ Visa Signature Card is a versatile choice for those who value tailored rewards. With a MoneyGeek balance transfer card rating of 4.2, it offers a solid option for managing existing credit card debt. The card's standout feature is the ability to earn 5% cash back on two categories of your choice, on up to $2,000 in combined purchases each quarter.

Additionally, cardholders benefit from a 0% introductory APR for the first 15 billing cycles on both purchases and balance transfers, followed by a variable APR from 19.74% to 29.74%. This card is particularly well-suited for consumers who prefer customizing their rewards to match their spending patterns without paying an annual fee.

The U.S. Bank Altitude® Go Visa Signature® Card is a strong contender for those who dine out frequently, offering an impressive 4X points on dining, including takeout and delivery.

With no annual fee, cardholders can enjoy the benefits without worrying about an additional cost. The card's introductory offer of earning 20,000 bonus points adds to its appeal, along with a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers, which can provide significant savings for new cardholders.

However, it's worth noting that there are no transfer options for points, and the introductory APR period is relatively short. Overall, this card is well-suited for those who prioritize rewards on dining and are looking for a cost-effective card with valuable introductory perks.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features of the U.S. Bank Cash+® Visa Signature® Card and the U.S. Bank Altitude® Go Visa Signature® Card. By examining these aspects, you can pinpoint which card aligns with your spending patterns and financial goals.

For instance, if dining out is a significant part of your budget, the Altitude® Go card's higher reward rate in that category might be appealing. Conversely, if you prefer customizable rewards, the Cash+® card's selectable categories could be more advantageous.