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- U.S. Bank Altitude® Go Visa Signature® Card
Excellent dining rewards card with no annual fee
- 1–4 Points per $1Rewards Rate
- $0Annual Fee
- 19.99% – 28.99% VariableAPR
- ExcellentRecommended Credit
While the U.S. Bank Altitude® Go Visa Signature® Card has a few bonus categories, it's a clear winner when it comes to one category: dining rewards. You can earn 4X points on dining, including delivery, with this card, which is pretty impressive for a no-annual-fee card as you typically find a rate like that accompanied by a hefty annual fee. If you like to dine out, even a few times a month, you'll quickly reap the benefits of this card.
Its intro APR offers on both purchases and balance transfers are decent, although on the shorter side. It's above average APR means it's also not a great choice if you think you'll occasionally need to carry a balance. But if you've got your knife and fork ready to dig into some juicy rewards, then read on to learn more about what the U.S. Bank Altitude® Go Visa Signature® Card has to offer.
U.S. Bank Altitude® Go Visa Signature® Card Overview
The U.S. Bank Altitude® Go Visa Signature® Card offers remarkable value on dining and decent rewards on other common everyday categories. Here are some more details about this great no-annual-fee card:
- Rewards rate: 4 points per dollar on dining (including takeout and delivery), 2 points per dollar on grocery, gas and streaming service purchases, and 1 point per dollar on other purchases.
- Welcome offer: Earn 20,000 points after spending $1,000 in the first 90 days
- Regular APR: 19.99% - 28.99% (variable)
- Annual fee: $0
- Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 19.99% to 28.99% variable)
Important Card Details
It's important to understand the benefits, fees and interest rates of the U.S. Bank Altitude® Go Visa Signature® Card in order to decide if it's right for you.
Great Rewards on Dining
If you're looking for lucrative rewards on dining and restaurants, you're in the right place. The U.S. Bank Altitude® Go Visa Signature® Card offers 4X points in this category, which is pretty unbeatable for a no-annual-fee card. You'll also get 2X points on purchases of groceries, gas and streaming services, covering some pretty essential categories, plus 1X points on everything else.
Above Average APR
The U.S. Bank Altitude® Go Visa Signature® Card has an above average APR of 19.99% to 28.99% (variable). While it's never ideal to carry a balance on a credit card, it'll cost you more to do so with this card. If you know you need some extra time to pay off a purchase or make progress on a transferred balance, make sure you do it during the intro APR period.
Short Intro APR
While this card does offer an introductory 0% APR on both purchases and balance transfers, it's only for 12 billing cycles. After that the APR will vary from 19.99% – 28.99%. This might be enough time if you're looking to make a large purchase or pay off a balance that isn't too high. However, it's important to do the math to make sure you can pay off all (or most) of your balance before the regular APR kicks in.
Consistent Points Value
Your U.S. Bank Altitude® Go Visa Signature® Card rewards are worth one cent per point across the board. This means you're spared the hassle of fluctuating point values or navigating complicated redemption programs. Whether you are redeeming your points for cash back, travel, gift cards or a statement credit, the value stays the same.
No Annual Fee
This card has no annual fees, meaning there's no cost for the privilege of holding the card and no need to chip into your rewards to offset the fee. This is pretty unusual, given its high rewards rate in a popular category.
Balance Transfer Fees
Unlike some cards that waive the balance transfer fee for transfers made within an introductory period, the U.S. Bank Altitude® Go Visa Signature® Card charges a fee for all transfers. The fee is $5 or 3% of the transfer amount, whichever is greater. This probably isn't a dealbreaker, but it's important to factor into your calculations if you're considering taking advantage of the intro APR period.
Travel-Friendly Features
The U.S. Bank Altitude® Go Visa Signature® Card is not a travel card but, considering that it has no foreign transaction fees and a decent set of travel protections, it can be helpful for the occasional traveler. It comes with rental car insurance, roadside dispatch and access to emergency services while you travel.
Below Average Customer Satisfaction
The U.S. Bank Altitude® Go Visa Signature® Card customer experience is rated as below-average by J.D. Power’s 2022 U.S. Credit Card Satisfaction Study.
How the U.S. Bank Altitude® Go Visa Signature® Card Compares To Other Cards
The U.S. Bank Altitude® Go Visa Signature® Card offers great value for those who spend a lot on dining and want a card with flexible redemption and no annual fees. Other cards, such as the American Express® Gold Card, do offer better reward rates across more categories but the tradeoff is that you will have to pay an annual fee.
How This Card Compares
U.S. Bank Altitude® Go Visa Signature® Card
- Rewards rate: 4X points on dining, 2X points on grocery, gas and streaming services, 1X points on all other purchases.
- Welcome offer: Earn 20,000 points after spending $1,000 in the first 90 days
- Regular APR: 19.99% - 28.99% (variable)
- Annual fee: $0
- Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 19.99% to 28.99% variable)
- Best for: Earning cash back rewards on dining purchases without paying annual fees
American Express® Gold Card
- Rewards rate: 4X points at restaurants, 4X points at U.S. supermarkets (up to $25,000 in spending per year, then 1X points), 3X points on flights (booked direct or through amextravel.com), and 1X points on all other purchases.
- Welcome offer: Earn 60,000 points after spending $4,000 in first 6 months
- Regular APR: See Pay Over Time APR (see rates and fees)
- Annual fee: $250 (see rates and fees)
- Intro APR offer: None
- Best for: Travel and generous rewards in multiple categories
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