The U.S. Bank Altitude® Go Visa Signature® Card is a rewards credit card that offers strong earning potential for individuals who want to earn rewards on their everyday purchases.
With 4 points per dollar on dining, including takeout and delivery, and 2 points per dollar on grocery store purchases, the card is designed for those who spend a lot on food and beverages.
This is particularly beneficial for people who frequently dine out, order food for delivery, or cook at home.
The card offers a $150 sign-up bonus when you spend $1,000 in the first 90 days of account opening.
Reasons to Choose the U.S. Bank Altitude® Go Visa Signature® Card
Generous Rewards Program: The card offers 4 points per dollar on dining, including restaurants, takeout, and delivery, making it ideal for food lovers.
It also offers 2 points per dollar on grocery store purchases, as well as on gas station purchases, which adds extra value for everyday spending.
You’ll earn 1 point per dollar on all other purchases, which is solid for a card that focuses on dining and groceries.
No Annual Fee: One of the major benefits of the U.S. Bank Altitude® Go Visa Signature® Card is that it comes with no annual fee, which makes it an attractive choice for those looking to maximize rewards without incurring additional costs.
Many cards in this category charge annual fees, so this one stands out by offering a strong rewards program without the extra burden.
$150 Sign-Up Bonus: New cardholders can earn a $150 sign-up bonus after spending $1,000 within the first 90 days of account opening.
This bonus can be redeemed for cash back, travel, or gift cards, adding value to the card early on and helping offset your first few months of spending.
Flexible Rewards Redemption: Points earned with the U.S. Bank Altitude® Go Visa Signature® Card can be redeemed in a variety of ways, including cash back, gift cards, or travel purchases.
The card is part of the Altitude Rewards Program, which allows for easy and flexible point redemption, giving you multiple ways to use your rewards based on your preferences.
No Foreign Transaction Fees: If you travel abroad, the U.S. Bank Altitude® Go Visa Signature® Card is an excellent choice due to its no foreign transaction fees.
Many credit cards charge additional fees for purchases made outside of the U.S., but this card allows you to use it abroad without incurring extra charges.
Visa Signature Benefits: As a Visa Signature card, this card comes with additional benefits such as travel and emergency assistance services, extended warranty protection, and access to Visa Signature® Luxury Hotel Collection, which provides exclusive amenities and discounts at participating hotels.
Negative Factors of the U.S. Bank Altitude® Go Visa Signature® Card
Lower Reward Rate on Non-Bonus Categories: While the card offers 4 points per dollar on dining and 2 points per dollar on groceries and gas, the reward rate drops to 1 point per dollar on all other purchases.
If you spend heavily in other categories, such as travel or entertainment, this card may not be the best choice compared to others that offer higher rewards rates in those categories.
Limited Travel Benefits: Although the U.S. Bank Altitude® Go Visa Signature® Card offers Visa Signature benefits, it lacks some premium travel perks like airport lounge access, travel insurance, and priority boarding that other travel-focused cards provide.
This may be a drawback for individuals looking for more comprehensive travel benefits.
Points Expiration: The points earned on the U.S. Bank Altitude® Go Visa Signature® Card will expire if there is no purchase or earning activity for 24 months.
This is something to keep in mind if you don’t plan on using the card regularly or if you don’t have any upcoming travel or major purchases.
No Introductory APR Offer: Unlike some other cards, the U.S. Bank Altitude® Go Visa Signature® Carddoes not offer an introductory 0% APR on purchases or balance transfers.
For individuals looking to carry a balance or transfer debt, this lack of an introductory APR can be a disadvantage.
What Are the Requirements to Apply for the U.S. Bank Altitude Go Visa Signature Card?
To apply for the U.S. Bank Altitude® Go Visa Signature® Card, you will need to meet the following requirements:
Good to Excellent Credit: Applicants should have good to excellent credit, typically a credit score of 670 or higher.
This is a rewards card that rewards everyday spending, so a solid credit score is needed for approval.
U.S. Citizenship or Legal Residency: You must be a U.S. citizen or a legal resident to apply for this card.
You will need a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to complete the application.
Minimum Age: Applicants must be at least 18 years old to apply for the card.
Income Verification: U.S. Bank may require proof of income to assess your ability to repay the balance.
This could include employment income, investment income, or other sources of income.
Fees and Costs
Here is a breakdown of the fees and costs associated with the U.S. Bank Altitude® Go Visa Signature® Card:
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Balance Transfer Fee: 3% of the amount transferred, or $5, whichever is greater
- Cash Advance Fee: 5% of the amount withdrawn, or $10, whichever is greater
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $40
- APR: 15.99% to 24.99% variable APR for purchases and balance transfers
The card comes with no annual fee and no foreign transaction fees, which is a major advantage for those who travel or want to avoid additional costs.
However, it is important to note the balance transfer fee and cash advance fee, which are fairly standard for most credit cards.
Frequently Asked Questions about the U.S. Bank Altitude Go Visa Signature Card
1. How do I earn rewards with the U.S. Bank Altitude® Go Visa Signature® Card?
You earn 4 points per dollar on dining purchases (including restaurants, takeout, and delivery), 2 points per dollar on grocery store purchases, and 1 point per dollar on all other purchases.
2. What is the sign-up bonus for the U.S. Bank Altitude® Go Visa Signature® Card?
You can earn a $150 sign-up bonus when you spend $1,000 in the first 90 days of account opening.
3. Are there any foreign transaction fees with the U.S. Bank Altitude® Go Visa Signature® Card?
No, there are no foreign transaction fees when using the card for purchases abroad.
4. How can I redeem my points?
You can redeem your points for cash back, gift cards, or travel purchases through the U.S. Bank Altitude Rewards Program.
5. Does the U.S. Bank Altitude® Go Visa Signature® Card offer any travel perks?
While the card offers some Visa Signature benefits, such as travel assistance services and access to the Visa Signature® Luxury Hotel Collection, it does not offer premium travel perks like airport lounge access or travel insurance.
Conclusion
The U.S. Bank Altitude® Go Visa Signature® Card is an excellent option for individuals who spend frequently on dining and groceries.
With 4 points per dollar on dining and 2 points per dollar on grocery store purchases, it offers strong earning potential in these areas.
The no annual fee, $150 sign-up bonus, and no foreign transaction fees make it an appealing choice for many users.
