U.S. Bank Altitude Go Visa Signature Review

The U.S. Bank Altitude Go Visa Signature card has an introductory 0% APR offer on purchases and balance transfers for 12 billing cycles. After this period the APR will vary from 14.99% to 23.99% based on the prime rate. You can take advantage of the introductory offer to make large purchases and pay them off interest-free within the year.

Outside of the intro period, the balance transfer fee for this card is 3% of the amount of each transfer or a minimum of $5, whichever is greater.

The cash advance fee on this card is 5% of the total amount of the cash advance or a minimum of $10, whichever is greater.

The U.S. Bank Altitude Go Visa Signature card has no annual fees.

You will not pay any foreign transaction fee if you use your U.S. Bank Altitude Go Visa Signature card outside of the U.S.

The U.S. Bank Altitude Go Visa Signature reward earnings vary for different categories as follows:

1. Rewards rate on dining, food delivery, and takeout: 4 points per dollar
2. Rewards rate for groceries, grocery delivery, streaming services and gas stations: 2 points per dollar
3. Rewards rate for all other eligible purchases: 1 point per dollar

With the U.S. Bank Altitude Go Visa Signature card, your due date is 24–30 days after the close of each billing cycle. If your entire balance is paid by the due date, you will not be charged any interest. Late payments and returned payment penalties on this card are up to $40 each.

The rewards rate on this card is best for dining and related purchases. This means you will earn generous rewards points for your food delivery, takeout and restaurant dining. However, for other categories, the reward rate may be lower than other reward cards.

The U.S. Bank Altitude Go Visa Signature card points have a consistent value of one cent per point regardless of how you choose to redeem them. You can redeem points for cash back, statement credit or direct deposit into a U.S. Bank savings or checking account, but you can only redeem once you have a minimum of 2,500 points.

To get approval for the U.S. Bank Altitude Go Visa Signature card, your credit scores typically need to be at least 670 for FICO or 700 for VantageScore. However, additional information, such as your source of income and income level, will also be considered, so even people with lower credit scores may get approved.

If you have another reward card, you may want to consider using the U.S. Bank Altitude Go Visa Signature card for all your dining-related purchases. This is because it offers a better rate than most cards in this particular category. This card also has no annual fees, so there are no costs easting into your reward points.

If you are a frequent traveler, you can use the U.S. Bank Altitude Go Visa Signature card to complement your travel card. Since it has no foreign transaction fees, you can still earn reward points on this card while traveling outside the U.S at no extra cost.

This card comes with a 0% introductory APR for 12 months, so you can take advantage of this offer by using this card for most of your purchases during this period. This way you will avoid accruing interest for that duration and lower your payments.