2021 Review: U.S. Bank Altitude Go Visa Signature Card &#8211; Great Rewards for No Annual Fee

securely on the issuer's website

Highlights
Rewards
Balance transfers
Fees

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
Earn 4X points on takeout, food delivery and dining
Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
$15 credit for annual streaming service purchases such as Netflix and Spotify
No annual fee*
1X point per $1 on all other eligible purchases
Low Introductory APR on purchases and balance transfers
Points never expire

How to Transfer a Balance on a Credit Card

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

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR0% for 12 Billing cycles
Regular Balance Transfer APR14.99% - 23.99%* Variable
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater

Fees

Penalty APRN/A
Late FeeUp to $40
Returned Payment FeeUp to $40
Additional Cards Annual FeeN/A
Foreign Transaction Feen/a

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

Purchase APR	Balance Transfer APR	Cash Advance APR
0%* for 12 billing cycles on purchases, then 14.99% - 23.99% Variable	0% for 12 Billing cycles, then 14.99% - 23.99%* Variable	25.99%

Annual Fee	Foreign Transaction Fee
$0*	n/a

Balance Transfer Fee	Cash Advance Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater	Either 5% of the amount of each advance or $10 minimum, whichever is greater

Penalty APR	Late Fee	Returned Payment Fee
None	Up to $40	Up to $40

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

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

Our rating:

securely on the issuer's website

Highlights
Rewards
Balance transfers
Fees

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
Earn 4X points on takeout, food delivery and dining
Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
$15 credit for annual streaming service purchases such as Netflix and Spotify
No annual fee*
1X point per $1 on all other eligible purchases
Low Introductory APR on purchases and balance transfers
Points never expire

How to Transfer a Balance on a Credit Card

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

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR0% for 12 Billing cycles
Regular Balance Transfer APR14.99% - 23.99%* Variable
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater

Fees

Penalty APRN/A
Late FeeUp to $40
Returned Payment FeeUp to $40
Additional Cards Annual FeeN/A
Foreign Transaction Feen/a

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.

Was this helpful?

Yes No

Alternatives to the U.S. Bank Altitude Go Visa Signature Card

Blue Cash Preferred® Card from American Express

Our rating:

securely on the issuer's website

Highlights
Why We Picked It
Rewards
Key Features

Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms Apply.

The Blue Cash Preferred® Card from American Express (Review) is very likely the most rewarding card when it comes to gas, groceries, and streaming.

You’ll earn 6% cash back for purchases at U.S. supermarkets and for select U.S. streaming services, and an impressive 3% at U.S. gas stations.

It does have an annual fee ($0 introductory annual fee for the first year, then $95) but it’s hardly noticeable thanks to its strong earning potential, something I can personally attest to. The U.S. Bank card doesn’t have an annual fee, but this card will still likely be the more rewarding choice.

The Blue Cash Preferred probably has the U.S. Bank card beat in terms of benefits too, depending on how extensive the Visa Signature benefits of the latter card are. You’ll lose the $15 streaming credit, but you’ll earn greater rewards for streaming services so you may not even notice.

You’ll get a handful of useful shopping protections and a few travel protections, plus access to Amex Offers and a ShopRunner membership.

Spending Rewards
6% cash back: U.S. supermarkets (up to $6,000 spent annually, then 1%) Select U.S. streaming services
3% cash back: U.S. gas stations Transit
1% cash back on other eligible purchases

Introductory Bonus
$300 statement credit for spending $3,000 in the first 6 months

Amex Offers: Find offers for extra cash back at a changing selection of merchants.
$120 Equinox+ Credit: Get up to $10 per month for a stand-alone monthly membership to the Equinox+ app. Will not apply if you purchase the membership through the Equinox app or a third party.
ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
Shopping protections: Return Protection, Extended Warranty, Purchase Protection
Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
Annual fee: $0 introductory annual fee for the first year, then $95

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Preferred® Card from American Express (Rates & Fees)

American Express is a Credit Card Insider advertiser.

American Express® Gold Card

Our rating:

Learn More

Highlights
Why We Picked It
Rewards
Key Features

Rose Gold is back. You can now choose between Gold or Rose Gold.
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and 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.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

The American Express® Gold Card (Review) is a metal travel rewards card with a focus on dining.

It does cost $250 annually, but there are a number of annual credits that make it a little easier to swallow. There’s a $120 annual dining credit which effectively brings the fee down to just $30, plus a repeatable $100 credit via The Hotel Collection, but that might be harder to use.

The American Express Gold earns just as much on dining as the U.S. Bank card, but you’ll have a bit more wiggly room when it comes time to redeem your points. You can transfer them to Amex’s airline and hotel partners, where you might be able to find a greater value for them, increasing your cash back equivalent.

You’ll get a wider array of travel protections, too.

Spending Rewards
4X Membership Rewards points per dollar at: Restaurants U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
3X Membership Rewards points per dollar on: Flights booked directly with airlines Flights booked through amextravel.com
1X Membership Rewards point per dollar for every other eligible purchase

Introductory Bonus
60,000 bonus points for spending $4,000 in the first 6 months

$120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest, Marriott, and Hyatt
Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more, along with other perks.
Amex Offers: Find discounts and extra point opportunities at a changing selection of merchants (offers are limited; enrollment required).
ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
No foreign transaction fee
Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

American Express® Gold Card (Rates & Fees)

American Express is a Credit Card Insider advertiser.

Chase Freedom Flex℠

Our rating:

securely on the issuer's website

Highlights
Why We Picked It
Rewards
Key Features

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
3% cash back on dining at restaurants, including takeout and eligible delivery services
3% cash back on drugstore purchases
5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% – 24.74%.
No annual fee

The Chase Freedom Flex℠ (Review) provides a versatile and diverse reward program for no annual fee.

In addition to static 5% and 3% cash back categories (the latter including restaurants), the Flex also has 5% cash back categories that rotate quarterly. There’s a $1,500 spending limit for those rotating bonus categories before they fall to 1%, but that’s still a pretty great offer. The rotating categories occasionally include streaming services, so you’d be able to earn more cash back if that rolls around compared to the U.S. Bank card.

You can even prepay with the Flex when that category is available in order to earn rewards on the full year’s cost, depending on the service. Not every streaming subscription will offer the chance to pay for a full year, so you’ll have to check.

There’s no annual streaming credit, but the other benefits are likely on par with, if not a little better than, what the U.S. Bank card will offer. They include a three-month DoorDash membership and a slew of shopping and travel protections.

Spending Rewards
5% cash back on: Travel purchased through Chase Ultimate Rewards Lyft rides (through March 2022) Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
3% cash back at: Restaurants Drugstores
1% cash back on all other purchases

Introductory Bonus
$200 bonus for spending $500 in the first 3 months

Three-month DoorDash membership: Subscribe for a free DashPass for three months, which provides free shipping and reduced service fees on orders over $12. You’ll be automatically enrolled in DashPass for 50% off for the next nine months.
Shop through Chase/Chase Offers: Earn extra cash back and find discounts with select retailers.
Chase Credit Journey: Monitor your credit with free access to your VantageScore 3.0, based on your TransUnion credit report, and receive helpful insight into the factors influencing the score.
Shopping protections: Purchase protection and extended warranty
Travel protections: Travel and emergency assistance services, roadside dispatch, rental car insurance, and trip cancellation/interruption insurance
Purchase APR: 0% for 15 months, then 14.99% - 24.74% Variable
Balance Transfer APR: 14.99% - 24.74% Variable
Annual fee: $0

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Citi^® Double Cash Card - 18 month BT offer

Our rating:

securely on the issuer's website

Highlights
Why We Picked It
Rewards
Key Features

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion

The Citi^® Double Cash Card – 18 month BT offer (Review) earns a strong 2% cash back for every purchase you make.

However, there’s a small caveat to that. You’ll earn 1% cash back when you first make your purchase, and the other 1% when you pay it off (you must pay the minimum due each month to earn rewards).

That’s about all there is to this card. It’s pretty uncomplicated. So if you’re looking for something simple and rewarding, maybe this is the one for you.

The benefits will be less impressive, as Citi doesn’t offer much of anything aside from a credit monitoring tool and a concierge service.

But if you want to break up your spending between cards, you could use the U.S. Bank card for its categories, and the Double Cash for everything else.

Spending Rewards
2% cash back for every purchase (must pay at least the minimum due on time): 1% back when you make a purchase 1% back when you pay for that purchase

Free FICO credit score: See your Equifax-based FICO Bankcard Score 8 on statements, online, and by mobile app.
Citi Concierge: Get restaurant suggestions, reservations, travel arrangements, shopping research, and more.
Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies.
Purchase APR: 13.99% – 23.99% (Variable)
Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
Annual fee: $0

Citi is a Credit Card Insider advertiser.

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

Our rating:

securely on the issuer's website

Highlights
Rewards
Balance transfers
Fees

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
Earn 4X points on takeout, food delivery and dining
Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
$15 credit for annual streaming service purchases such as Netflix and Spotify
No annual fee*
1X point per $1 on all other eligible purchases
Low Introductory APR on purchases and balance transfers
Points never expire