[fin_hide] [/fin_hide]

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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

Last updated:  

A new standard for dining rewards cards.

  • Get this card if you want the leading card on the market for dining rewards.
  • Get something else if you’re looking for travel or entertainment rewards.
  • Apply with an excellent credit score of 740 or above.

20,000

Points as welcome offer

Up to 4x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 billing cycles (then 14.99% to 23.99% variable)

Details

Product NameU.S. Bank Altitude® Go Visa Signature® Card
Annual fee$0
Purchase APR0% intro for the first 12 billing cycles (then 14.99% to 23.99% variable)
Balance transfer APR0% intro for the first 12 billing cycles (then 14.99% to 23.99% variable)
Balance transfer fee$3 or 5% of the transaction, whichever is greater
Cash advance rate25.99% fixed
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 24 days
Late payment feeUp to $40
Returned payment feeUp to $35
Rates & feesrates & fees

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

Expert review

At a quick glance, U.S. Bank comes out swinging with this card. You’ll earn a rare 4x points on takeout, delivery and dining, 2x points at grocery stores, for grocery delivery, select streaming services and gas stations, and 1x on everything else. This card also comes with a 20,000 signup bonus after you spend $1,000 in your first 3 months of account opening, an annual statement credit and an intro APR on purchases and balance transfers for 12 billing cycles.

Card benefits

  • Earn rewards. Earn 4x points on dining, including takeout, delivery and even bars. Earn 2x points at grocery stores, for grocery delivery and select streaming services and at gas stations. Earn 1x points on everything else.
  • No annual fee. You won’t pay anything to use this card. This is a steal given the value the card offers.
  • Intro APR. Get a 0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to 14.99% to 23.99% variable.
  • Perks. Get travel and emergency assistance, car rental insurance coverage and roadside dispatch. You also get an annual streaming credit worth $15.
  • Signup bonus. Earn 20,000 points after you spend $1,000 within your first three months of account opening. This isn’t the greatest signup bonus available, though it’s not the worst either.

What makes these benefits unique?

Rewards. The wide variety of earning categories and their sheer leniency is what helps elevate this card. Very few reward cards let you earn accelerated points at bars, and it’s only recently that providers have started adding delivery and takeout as options. Plus, no spending caps on any category means you can use this card freely without worrying about lost value.

0% intro APR on balance transfers. A great many cards have lost their intro balance transfer offers, or are no longer offering balance transfers at all. Not only does this card offer a 12 billing cycles 0% intro APR period on balance transfer, but it comes with no annual fee and great rewards.

What to watch out for:

  • Excellent credit score required. You’ll need an excellent credit score to qualify for this card. This isn’t surprising given the quality of the card.
  • No entertainment category. If you’re looking for a card that offers perks and rewards on movies, sports and other purchases, you’ll need to look elsewhere.

How does the U.S. Bank Altitude® Go Visa Signature® Card measure up to the competition?

How does this pandemic-focused rewards card stack up?

U.S. Bank has now opened applications for a new rewards card. It offers accelerated rewards on entertainment categories that US consumers have been spending more on since the isolation and travel precautions enacted in response to COVID-19.

The new U.S. Bank Altitude® Go Visa Signature® Card offers rewards on multiple categories and fits in nicely among the other big everyday reward cards on the market. However, the card gives a little extra attention to its dining categories, offering an above average 4x points on takeout, food delivery and dining — including bars.

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

A quick look at theU.S. Bank Altitude® Go Visa Signature® Card‘s features:

Card featureDetails
RewardsEarn 4x points on takeout, food delivery and dining
Earn 2x points at grocery stores, grocery delivery, select streaming services and gas stations
Earn 1x points on all other purchases
Signup bonusEarn 20,000 bonus points after spending $1,000 in your first 3 months of account opening
Annual fee$0
Introductory APR0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to a variable 14.99%–23.99%
Streaming creditEarn an annual $15 credit for streaming service purchases
Visa Signature statusOffers a suite of perks, including travel protections and extended warranty

How does the U.S. Bank Altitude® Go Visa Signature® Card measure up to the competition?

From a quick glance, U.S. Bank came out swinging with this card. For a rewards card with no annual fee, the reward rates are quite generous. The dining rewards rate sits at a rare 4% and U.S. Bank extends this rate to delivery, takeout and bars — the last of which isn’t guaranteed on similar cards.

The 2x rate at grocery stores, streaming services and gas stations is also notable: You often see this kind of generosity on a card with an earning cap on at least one of the categories. Not so with the U.S. Bank Altitude® Go Visa Signature® Card.

That said, there is stiff competition in the rewards card space — especially when it comes to dining and everyday spending. Let’s compare the U.S. Bank Altitude® Go Visa Signature® Card to two other hard hitters: The Capital One® Savor® Cash Rewards Credit Card and the Wells Fargo Propel American Express.

The Capital One® Savor® Cash Rewards Credit Card

We view the Capital One® Savor® Cash Rewards Credit Card as the model dining rewards card. So much so that we nominated it to a spot on our Best of 2020 list.

On top of 4% back on dining, it also earns this rate on entertainment such as concerts, clubs and theme parks. Add 2% back on groceries, a limited time offer of 8% back on sporting event tickets purchased through Vivid Seats, plus a solid welcome offer, and you have a formidable dining and entertainment card.

U.S. Bank Altitude® Go Visa Signature® Card vs. Capital One Savor Cash Rewards

FeatureU.S. Bank Altitude® Go Visa Signature® CardCapital One® Savor® Cash Rewards Credit Card
RewardsEarn 4x points on takeout, food delivery and dining
Earn 2x points at grocery stores, grocery delivery, select streaming services and gas stations
Earn 1x points on all other purchases
Earn 4% back on dining and entertainment
Earn 2% back at grocery stores
Earn 1% back on all other purchases
Earn 8% back on Vivid Seats tickets until January 2022
Signup bonusEarn 20,000 bonus points after spending $1,000 in your first 3 months of account openingEarn $300 cash back after spending $3,000 within the first 3 months of account opening
APR0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to a variable 14.99%–23.99%15.99%–24.99% variable
Annual fee$0Intro annual fee of $0 for the first year, then $95
Statement creditsAnnual streaming credit worth $15$0
Travel perksTravel and emergency assistance
Car rental insurance
Roadside dispatch
Travel insurance
Car rental insurance

The U.S. Bank Altitude® Go Visa Signature® Card holds its own when it comes to dining and grocery stores, and offers a few categories not found in the Capital One® Savor® Cash Rewards Credit Card, including streaming services and gas. On the other hand, the Capital One® Savor® Cash Rewards Credit Card‘s “entertainment” category is a value you won’t find in the U.S. Bank Altitude® Go Visa Signature® Card.

Of course, the Capital One® Savor® Cash Rewards Credit Card categories are more “traditional” and were created during a time when people had no qualms gathering in large spaces every weekend for a concert, sports game or other social events.

Interestingly, the U.S. Bank Altitude® Go Visa Signature® Card offers an intro APR on purchases and balance transfers, a feature missing in the “premium” Capital One® Savor® Cash Rewards Credit Card.

The Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card is something of a “do-no-wrong” card. Thanks to the numerous earning categories and solid earning rate, it’s difficult to pick up this card and not squeeze plenty of value out of it.

U.S. Bank Altitude® Go Visa Signature® Card vs. Wells Fargo Propel American Express® Card

Card FeatureU.S. Bank Altitude® Go Visa Signature® CardWells Fargo Propel American Express® Card
RewardsEarn 4x points on takeout, food delivery and dining
Earn 2x points at grocery stores, grocery delivery, select streaming services and gas stations
Earn 1x points on all other purchases
Earn 3x points on dining out and delivery, gas stations, ride shares, transit, flights, hotels, home stays, car rentals, and popular streaming services
Earn 1X back on all other purchases
Signup bonusEarn 20,000 bonus points after spending $1,000 in your first 3 months of account openingEarn 20,000 bonus points after you spend $1,000 in your first 3 months of account opening
APR0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to a variable 14.99%–23.99%Intro 0% APR on purchases and balance transfers for 12 months, reverting to 14.49% to 24.99%
Annual fee$0$0
Statement creditsAnnual streaming credit worth $15$0
Travel perksTravel and emergency assistance
Car rental insurance
Roadside dispatch
Cell phone protection
Lost luggage reimbursement
Roadside dispatch
Car rental insurance

TheU.S. Bank Altitude® Go Visa Signature® Card and Propel are much closer in features compared to the Go and Capital One® Savor® Cash Rewards Credit Card, sporting similar annual fees, intro APRs and even signup bonuses. The earning rate differences and your spending habits will be the primary decider in which of these cards is the better value.

A sign of things to come

That the U.S. Bank Altitude® Go Visa Signature® Card stands so competitively among the existing dining reward cards is impressive, and possibly a sign of things to come as more providers adjust their offerings to cope with evolving consumer spending habits in the time of COVID-19.

How to apply for the U.S. Bank Altitude® Go Visa Signature® Card

Applying for the U.S. Bank Altitude® Go Visa Signature® Card is straightforward:

  1. Go to the U.S. Bank website.
  2. At the top menu bar, click on Personal, followed by Credit Cards.
  3. From the dropdown menu, click on Rewards cards.
  4. Navigate to the U.S. Bank Altitude® Go Visa Signature® Card and click Apply Now.
  5. Fill in your information and click Submit.

What credit score do I need to apply for the U.S. Bank Altitude® Go Visa Signature® Card?

You’ll need at least an excellent credit score of 740 to qualify for the U.S. Bank Altitude® Go Visa Signature® Card.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
loading

Compare up to 4 providers

Bottom line

If you’ve been looking for a card with the perfect mix of rewards on dining and everyday spending, the 740 is a great option. This card stands up to its competitor, and even surpasses them in many cases. But if this isn’t what you’re looking for, or you simply need another card to complement this one, compare your other rewards credit card options.

Photo: US Bank

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site