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The U.S. Bank Altitude Go Visa Signature Card features rewards on purchases most people are already making: dining, gas, groceries, and streaming services. And it has two unique features: The card is metal, and you’ll receive an annual $15 streaming credit.
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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.
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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.
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.
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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.
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:
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.
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.
Purchase APR | Balance Transfer APR | Cash Advance APR |
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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 |
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$0* | n/a |
Balance Transfer Fee | Cash Advance Fee |
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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 |
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None | Up to $40 | Up to $35 |
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.
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.
The U.S. Bank Altitude Go Visa Signature Card is designed for excellent credit.
In order to qualify for excellent credit, your credit scores would need to be within the ranges of 800–850 for FICO (actually labeled “exceptional”) and 750–850 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 within those ranges, there’s still a chance you could be denied.
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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.
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.
The Wells Fargo Propel American Express® card (Review) is also metal, and provides similar rewards to the U.S. Bank card, but with more benefits.
The Propel earns on just about everything the U.S. Bank card does, minus a category for groceries. However, in its place there’s a category for travel. The rewards are just a little less impressive for dining, so if you’re more likely to use your card for travel, maybe this would be a better choice.
The benefits include a wide variety of shopping and travel protections, including a few the U.S. Bank card doesn’t offer. The Propel features perks like cell phone protection, some useful travel protections, and the ability to check one of your credit scores.
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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.
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American Express® Gold Card (Rates & Fees)
American Express is a Credit Card Insider advertiser.
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.
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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.
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Citi is a Credit Card Insider advertiser.
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Do you have the U.S. Bank Altitude Go Visa Signature card? What do you like most about it? Let us know in the comments!
Looking for other cards made for dining out (or in)? Here are our best picks. The Best Dining Credit Cards for Restaurants and TakeoutFor rates and fees of the American Express® Gold Card, please click here.
Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.
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