2021 Review: U.S. Bank Altitude Go Visa Signature Card – Great Rewards for No Annual Fee

Our Rating: 5 Out of 5 Stars

We give the U.S. Bank Altitude® Go Visa Signature® Card 5 out of 5 Stars. It’s metal, charges no annual fee, and offers rewards on a variety of useful purchases.

The U.S. Bank Altitude Go proves an inexpensive option if you’re looking for a card that earns on popular purchases. The rewards for dining are excellent, and they count whether you’re eating in or out, which is handy considering most people are currently ordering out.

The streaming service credit is an interesting touch, and pretty much unheard of for a credit card with no annual fee. It’ll be nice to have $15 of your monthly streaming bill covered, once you qualify.

The intro APR periods provide good opportunities to avoid paying needless interest on your new purchases, or on other cards that have large balances. It’s even made of metal, which is pretty rare for cards with no annual fee (but here are some other metal cards without annual fees).

All in all, it has quite a bit going for it.

Insider Advice: Getting the Most Out of Your Card

• Dine in or get it to go: This card earns 4X points per dollar on dining, whether you stay at the restaurant, get it to go, or opt for food delivery. Your points are worth 1¢ each, so that’s a strong 4% cash back coming your way. See how this card compares to other cards with a focus on dining.
• Switch over your streaming services: You’ll earn 2X points per dollar for streaming services. So if you’re paying for Netflix with another card, don’t forget to swap it out for this one.
• Let your card pay for some Netflix: Once you’ve been paying for a streaming service for 11 consecutive months, you’ll automatically receive an annual $15 streaming credit.
• Bring it to the pump: Need gas? Earn 2X points per dollar while you fuel up.
• Don’t worry about interest, for a time: You’ll have 0% interest on new purchases for quite a while before the normal 14.99% - 23.99%* Variable APR kicks in.
• Transfer a balance: You’ll also get 0% interest on balance transfers for 12 Billing cycles, then it’ll be 14.99% - 23.99%* Variable. That means if you have a balance on another card that’s accruing interest, you can move it to this card to avoid that. There is a transfer fee, however.

The Rewards

Since your points are worth 1 cent each, you’ll see a cash back equivalent of 4% for dining, 2% for gas, groceries, and streaming services, and 1% for everything else. For a card with no annual fee, that 4% equivalent is quite impressive.

Earning

Spending Rewards
4X points per dollar at Restaurants
2X points per dollar for: Grocery stores Grocery delivery Streaming services Gas stations
1X point per dollar on all other purchases

Introductory Bonus
20,000 bonus points for spending $1,000 in the first 90 days

This card earns on the kind of purchases most people are already making, so if you’re looking to get a little back, this wouldn’t be a bad call.

The dining category could prove very rewarding, offering double the points compared to the other categories. Considering most people might be getting takeout pretty frequently due to the pandemic, this is especially nice.

The streaming service category is plenty useful too. It’s a relatively rare category and could make those Netflix and Hulu payments a tad easier to swallow.

And don’t worry, your points don’t have an expiration date.

Redeeming

So you’ve ordered out and you’ve got something good ready to go on Netflix, and not for the first time. Once you’ve got plenty of points in your account, it’s time to redeem them.

You can:

• Redeem points in the form of statement credits
• Deposit points directly into a U.S. Bank account
• Redeem points for travel
• Redeem points for merchandise and gift cards

Your points will be worth 1 cent each, no matter how you choose to redeem them. Redeeming for statement credits or depositing into a U.S. Bank account are the simplest options.

The minimum number of points you can redeem is 2,500, equivalent to $25.

The Benefits

This card is issued as a Visa Signature, and as such, cardholders will likely gain a selection of shopping and travel protections, as well as a concierge. However, U.S. Bank doesn’t explicitly state what benefits will come with your card, so neither can we. Check your Guide to Benefits that comes with your card to know for sure.

• Annual $15 streaming credit: As long as you’ve made 11 consecutive monthly streaming service payments, whether they be for Netflix, Hulu, Spotify, Amazon Music, or others, you’ll qualify for an annual $15 streaming credit.
• Check your credit score: View your VantageScore 3.0 credit score based on your TransUnion credit report, anytime you like.

The Terms & Fees

The Bottom Line

The U.S. Bank Altitude® Go Visa Signature® Card is a great option if you’re looking for a rewarding card that asks for no annual fee.

It has a lot going for it; the streaming service credit will cover a month of Disney+ or Hulu, it’s metal despite not carrying an annual fee, and it provides a good deal of rewards for dining. You’ll earn rewards on gas, too, and gain an intro 0% purchase and balance transfer APR.

That’s a lot of strong features for little to no cost. If you dodge fees and interest on your card by avoiding carrying a balance from month to month (unless you’re taking advantage of the intro periods), you’ll get all these features for nothing at all.

How Do I Apply for the U.S. Bank Altitude Go Visa Signature Card?

You can apply now by simply following the link below. You’ll be directed to the U.S. Bank website where you can fill out a secure application. Once you’ve provided all the necessary information, you should hear back pretty quickly with the credit card issuer’s decision.

What Credit Scores Do I Need to Qualify for the U.S. Bank Altitude Go Visa Signature Card?

The U.S. Bank Altitude Go Visa Signature Card is designed for good credit.

In order to qualify for good credit, your credit scores typically need to be at least 670 for FICO or 700 for VantageScore.

But keep in mind, credit card issuers will look at more than just your credit scores. Additional information like your income and source of income will play a part, meaning you could be approved despite having lower than the recommended credit scores.

However, that also means even if your scores are at or above those levels, there’s still a chance you could be denied.

Qualifications and Requirements

• Must be 18 to apply
• Personal information: Name, date of birth, Social Security number, country of citizenship
• Address and contact information: Email, phone number, address, housing status (rent or own)
• Financial information: Monthly rent or mortgage payment, employment status, total annual income, source of income

Frequently Asked Questions

Is the U.S. Bank Altitude Go Visa Signature Card metal?

Yes, the U.S. Bank Altitude Go Visa Signature is made out of metal. If you like your cards to feel a little heavier and perhaps more significant as a result, this could be what convinces you to apply.

If you’re looking for other metal cards you can get, we have a page just for that.

What benefits does the U.S. Bank Altitude Go Visa Signature Card have?

This U.S. Bank card is issued as a Visa Signature, so it’ll likely have a selection of Visa Signature shopping and travel protections. But U.S. Bank doesn’t explicitly say what benefits will come with your card, so we can’t either.

Additionally, you’ll get an annual $15 streaming service credit after you’ve paid for 11 consecutive months of a streaming service, like Netflix. That’s very rare for a card without an annual fee. You can also check one of your credit scores for free.