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U.S. Bank Altitude Go Visa Signature Card Review

Our review of the U.S. Bank Altitude Go Visa Signature Card looks at the dining-focused rewards program, card fees, and other benefits.
(4 out of 5) MyBankTracker Editor's Rating

While some credit cards let you earn miles or cash back on purchases, others reward you with points. 

The U.S. Bank Altitude Go Visa Signature Card offers points on every eligible purchase with no annual fee, but it is most rewarding for dining

When comparing rewards cards that offer points, there are a few things to keep in mind. Specifically:

  • How many points you can earn
  • How you can redeem them
  • What kind of redemption value you're getting

And you might also wonder whether you can qualify for a points bonus or enjoy additional perks. 

Interested in the U.S. Bank Altitude Go Visa Signature Card? This review breaks down the most important things to know to help decide if it's the right card for you.

U.S. Bank Altitude Go Visa Signature Card Pros & Cons

Pros Cons
  • Earn 4x point per dollar on takeout food, delivery and dine-in purchases
  • Earn 2x points per dollar at grocery stores, on grocery delivery, streaming services and at gas stations
  • Earn 1x point per dollar on all other purchases
  • No annual fee
  • Earn an introductory points bonus when you meet the minimum spending requirement
  • This card is most rewarding for people who primarily charge takeout, delivery and restaurant purchases
  • Other cards may offer a larger introductory points bonus

Earn 4x Points Per Dollar on Dining

The U.S. Bank Altitude Go Visa Signature Card could be a great rewards card pick if you're a foodie. 

With this card, you earn 4x points per dollar on:

  • Takeout
  • Food delivery
  • Dining at restaurants

So if you spend $500 a month on those purchases, you'd earn 24,000 points a year. 

You can also get rewarded with 2x points per dollar on:

  • Grocery store purchases
  • Grocery delivery
  • Gas station purchases
  • Streaming subscriptions

All other purchases earn 1 point per dollar. 

Points are unlimited and they don't expire. So this card could be a good choice if you're a regular spending. 

If you charge $500 a month on dining, $700 a month on grocery and gas and another $500 a month on miscellaneous purchases, you could earn 46,800 points for the year. 

Redemption

When you're ready to redeem points earned with your card, you can use them for:

  • Gift cards
  • Merchandise
  • Cash back
  • Travel

Points are valued a 1 cent each.

So, 25,000 points is equal to $250 in redemption value. If you were to earn the 46,800 points used in the previous example, that's $468 in value. 

You could apply that as a statement credit against your purchases.

Assuming you spend $20,400 for the year to earn those points, the statement credit effectively works out to a 2.3% cash back rate. 

That's not bad, compared to other cash back cards that offer a flat 1% to 2% back on purchases. 

Looking at redemptions this way is important to make sure you get the most value for the points you earn. 

Other Card Features and Benefits

The U.S. Bank Altitude Go Visa Signature Card's best feature is its rewards program. But there are a few other things you might like about this card. 

Spend points at partners

First, you can redeem points nearly instantly with the Real Time rewards feature.

For example, if you're out shopping you can apply your rewards to purchases at partner merchants. 

Streaming bonus

If you're into streaming, you can get a streaming bonus for being a cardmember. 

Aside from earning 2 points per dollar on streaming purchases, you can get a $15 streaming service credit. This credit is applied after 11 months of streaming services purchases. 

Card protections

Since this isn't a travel rewards card, it doesn't come with any special travel extras.

But you do still get Visa Signature benefits, including:

  • Lost luggage reimbursement
  • Travel and emergency assistance services
  • Emergency cash disbursement
  • Emergency card replacement

These kinds of extras can add to the card's appeal and value. 

Card Fees

The U.S. Bank Altitude Go Visa Signature Card doesn't have a lot of fees. 

No annual fee and no foreign transaction fees are good because they save you money. 

There is a fee for balance transfers and cash advances. But you do get a promotional APR with balance transfers. 

Cash advances can get expensive, in more ways than one. 

Venmo Credit Card Fees

Fee Amount
Annual Membership Fee None
Balance Transfers Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Cash Advances Up to 4% or a $20 minimum, whichever is greater, depending on how the cash advance is completed.
Foreign Transactions None
Late Payment Up to $40
Overlimit None
Returned Payment Up to $35

Not only do you have the fees to consider, but you'll also pay a higher regular variable APR for cash advances. And since there's no grace period, that APR kicks in right away. 

Compared to Other Rewards Credit Cards

The U.S. Bank Altitude Go Visa Signature Card might be a good fit if you're interested in earning points on purchases.

Remember, this card is most rewarding for dining purchases. 

If you'd like a few other options, here are three rewards card alternatives to consider.  

U.S. Bank Altitude Reserve Visa

The U.S. Bank Altitude Reserve Visa is a premium rewards card that offers points on purchases. 

With this card, you can earn:

  • 5x points per dollar on prepaid hotels and car rentals booked through the Altitude Rewards Center
  • 3x points per dollar on eligible travel purchases and mobile wallet spending
  • 3x points per dollar on takeout, food delivery and dining (through December 31, 2020)

This card also includes some valuable travel benefits. For example, you get complimentary Priority Pass Select membership and a TSA PreCheck or Global Entry fee credit. 

There are no foreign transaction fees and the card offers a sizable introductory points bonus. But this one does have a $400 annual fee. 

Read the U.S. Bank Altitude Reserve Visa Card editor's review.

U.S. Bank Cash+ Visa Signature

You might like the if you want to earn cash back on purchases. 

This card offers:

  • 5% cash back on the first $2,000 in combined purchases from two categories you choose each quarter
  • 2% cash back on one everyday category of your choosing
  • 1% cash back on all other purchases

What's great about this card is that you can pick and choose how to earn rewards.

So if you want to earn 5% back at home improvement stores and department stores, you can. Or if you want to get 2% back at restaurants or grocery stores, you have that option. 

This card has no annual fee. And you also enjoy a low introductory APR on balance transfers. 

Read the U.S. Bank Cash+ Visa Signature Card editor's review.

Capital One SavorOne Rewards

The offers cash back on dining, entertainment and other purchases. 

With this card, you earn:

  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores (excluding Walmart or Target)
  • 1% cash back on all other purchases

You don't get as many rewards on dining as you do with the U.S. Bank Altitude Go Visa Signature Card. But you get a higher rewards rate on entertainment purchases. 

And you'll pay no annual fee.

Read the Capital One SavorOne Rewards editor's review.

What’s the Verdict? 

The U.S. Bank Altitude Go Visa Signature Card might be just what you're looking for if you want to earn rewards points on purchases and you regularly spend on dining

This card offers a solid rewards rate for dining purchases. And since rewards are unlimited, you can earn as many or as few points as you'd like, based on how you spend. 

The card's flexible redemption options are also a good thing. For example, even though this isn't a travel rewards card you could still use your points toward travel. And if you travel outside the U.S., you won't get stuck paying a foreign transaction fee on purchases. 

You might consider another rewards credit card, on the other hand, if you're more interested in earning miles or cash back.

With a miles or hotel travel card, for instance, you might be able to transfer points to your favorite frequent flyer programs. 

No annual fee and no foreign transaction fees are also nice features of this card. While some cards might offer better rewards or benefits, those can sometimes come with a high annual fee. 

Overall, consider the U.S. Bank Altitude Go Visa Signature Card if you dine out regularly or spend a lot on gas and groceries.