How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Whether you prefer dining at a restaurant or eating takeout from the comfort of your couch, there is a lot to take advantage of with the U.S. Bank Altitude® Go Visa Signature® Card. This card offers one of the highest rewards rates on dining at restaurants, takeout and delivery — especially for a no-annual-fee card. Plus, you will earn solid rewards on streaming services, groceries, gas and EV charging stations and an annual streaming service credit.
Although this card is lacking when it comes to additional benefits, the rewards offered are higher than average. Other cards offering 4X points on restaurant purchases like the American Express® Gold Card or Capital One Savor Cash Rewards Credit Card* come with the extra expense of a large annual fee.
Intro Purchase APR
0% for 12 billing cycles on purchases
Regular Purchase APR
17.74% to 28.74% (Variable)
Intro BT APR
0% for 12 billing cycles on balance transfers
Regular BT APR
17.74% to 28.74% (Variable)
Annual Fee
$0
Cash Advance Fee
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Generous rewards rate
U.S. Bank Altitude® Go Visa Signature® Card members earn the most generous rewards rate you can find for a card with a $0 annual fee. Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. Cards like the Capital One Savor Cash Rewards Credit Card offer a similar rewards structure, but you would have to spend an additional $2,375 a year earning 4% cash back to make up for its $0 annual fee.*
U.S. Bank Altitude® Go Visa Signature® Card points, which never expire as long as the card account remains active, are worth approximately 1 cent each and can be redeemed for merchandise, gift cards, cash back, travel and more. Plus, by enrolling in Real-Time Rewards you can redeem points instantly via text message.
Streaming service credit
The U.S. Bank Altitude® Go Visa Signature® Card offers a $15 streaming service credit after 11 months of streaming purchases. This is in addition to the 2X points you will earn on streaming service purchases. Services include:
See the full list of streaming services here.
Sign-up bonus
The U.S. Bank Altitude® Go Visa Signature® Card comes with a solid sign-up bonus worth around $200. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. This is comparable to the sign-up bonus you will earn with similar cards like the Capital One SavorOne Cash Rewards Credit Card; however, the U.S. Bank Altitude® Go Visa Signature® Card has a higher spend to reach the sign-up bonus.
Intro APR offers on purchases and balance transfers
If you want to finance a large purchase or transfer a balance interest-free, you can do so for a year with the U.S. Bank Altitude® Go Visa Signature® Card. Cardholders receive an intro period of 0% for 12 billing cycles on purchases, then a regular APR of 17.74% to 28.74% (variable) will apply.
The card also offers a 0% for 12 billing cycles on balance transfers. After that, an APR of 17.74% to 28.74% (variable) will apply to any unpaid portion of the balance.
Foreign transaction fee: 3% of each foreign transaction
Some credit cards charge a fee (typically 3%) for each transaction made outside the United States. The U.S. Bank Altitude® Go Visa Signature® Card doesn’t, so it’s a fine option to take with you when traveling abroad.
Restrictions on rewards redemption options
If you want to redeem points for cash back into a bank account, you must have a checking or savings account with U.S. Bank. Without one, you’ll still have access to redemption options such as statement credits and gift cards, but won’t be able to get cash back deposited into your bank account.
Also, know that when redeeming points for cash back, you must do so in increments of 2,500 points.
Mediocre benefits
The U.S. Bank Altitude® Go Visa Signature® Card lacks some of the popular benefits often offered by credit cards, such as purchase protections and cellphone insurance. For example other cash back credit cards like the American Express® Gold Card offer a number of travel and shopping protections. But these come at the cost of an annual fee.
Balance transfer fee
While the U.S. Bank Altitude® Go Visa Signature® Card offers an introductory APR on balance transfers, you will be subject to a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Can be difficult to qualify for
Some consumers have reported that if you’ve applied for any credit card in the past six months, or more than one card in the past year, U.S. Bank is likely to deny your application for the U.S. Bank Altitude® Go Visa Signature® Card.
If you’re looking for another credit card option for earning rewards on dining and streaming services, the Capital One SavorOne Cash Rewards Credit Card is a great alternative. While its rewards on dining are slightly lower, it offers a high rewards rate on entertainment purchases — a huge plus for those who frequently purchase tickets to concerts and sporting events.
The card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.
Its sign-up bonus also has a lower spending requirement: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Plus, you can get 10% cash back on Uber and Uber Eats purchases through Nov. 14, 2024.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|
|
U.S. Bank Altitude® Go Visa Signature® Card*
|
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. | Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. | $0 | Good / Excellent | ||
Chase Freedom Unlimited®*
|
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | $0 | Good / Excellent | ||
Capital One Savor Cash Rewards Credit Card*
|
$250 Cash Back after you spend $500 on purchases within 3 months from account opening | 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases | $0 | Good / Excellent | ||
American Express® Gold Card*
|
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply | $325 | Good / Excellent |
The U.S. Bank Altitude® Go Visa Signature® Card is a fantastic option for rewards on a number of categories, especially restaurants and takeout. If you don’t spend a lot on dining, you may want to consider a card with higher rewards in your top spending categories. For example, if you frequently purchase event tickets you may want to consider a card with higher rewards on entertainment like the Capital One SavorOne Cash Rewards Credit Card.
If you are looking for a card with more benefits to use on everyday purchases and travel, you may want to consider a card with an additional annual fee, like the American Express® Gold Card
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Altitude® Go Visa Signature® Card, American Express® Gold Card, Capital One Savor Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card and Chase Freedom Unlimited® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
