MoneyGeek’s Take

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

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Updated: July 25, 2024

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U.S. Bank Altitude® Go Visa Signature® Card
Credit Card logo for U.S. Bank Altitude® Go Visa Signature® Card
Rates & Fees
Rewards Rate
Earn 4X points per dollar spent on dining (includi...
APR
18.24%–29.24% variable
Annual Fee
$0
Recommended Credit
670-850 (Good to Excellent)

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: 4X points on dining, takeout and restaurant delivery, 2X points on grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1x points on all other purchases
  • Welcome offer: Earn 20,000 points after spending $1,000 in the first 90 days
  • Regular APR: 18.24% - 29.24% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 18.24% - 29.24% 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.

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    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.

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    Above Average APR

    The U.S. Bank Altitude® Go Visa Signature® Card has an above average APR of 18.24% - 29.24% (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.

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    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 18.24% - 29.24%. 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.

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    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.

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    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.

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    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.

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    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.

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    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, takeout and restaurant delivery, 2X points on grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1x points on all other purchases
  • Welcome offer: Earn 20,000 points after spending $1,000 in the first 90 days
  • Regular APR: 18.24% - 29.24% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles (followed by 18.24% - 29.24% variable)
  • Best for: Earning cash back rewards on dining purchases without paying annual fees

American Express® Gold Card

  • Rewards rate: Earn 4X Membership Rewards® points per dollar spent at restaurants worldwide, up to $50,000 per calendar year. After that, earn 1X points. Earn 4X Membership Rewards® points per dollar spent at U.S. supermarkets, up to $25,000 per calendar year. After that, earn 1X points. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® points per dollar spent on all other eligible purchases.
  • Welcome offer: Earn 60,000 Membership Rewards® Points after spending $6,000 on eligible purchases within the first 6 months. Plus, receive 20% back in statement credits on eligible restaurant purchases worldwide within the first 6 months, up to $100. The offer ends on November 6, 2024.
  • Regular APR: See Pay Over Time APR (see rates and fees)
  • Annual fee: $325 (see rates and fees)
  • Intro APR offer: None
  • Best for: Travel and generous rewards in multiple categories

For rates and fees of the American Express® Gold Card, please click here.

About Doug Milnes, CFA

Doug Milnes, CFA headshot

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.
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.
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