Updated Jan 11, 2021 | Published Dec 24, 2020 • 9 min read
Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
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.
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.
4X points per dollar at Restaurants
2X points per dollar for:
1X point per dollar on all other purchases
25,000 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.
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.
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.
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.
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?
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.
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
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.
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.
It does cost $250 annually, but there are a number of annual credits that make it a little easier to swallow. There’s an annual airline fee credit (through 2021) and a dining credit that effectively bring the fee down to just $30.
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, and The Hotel Collection benefit, which provides a $100 credit for qualifying hotel charges and room upgrades when they’re available.
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 on Restaurants worldwide, including takeout and delivery.
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 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.
No Foreign Transaction Fees.
Annual Fee is $250.
American Express is a Credit Card Insider advertiser.
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.
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.
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.
Do you have a correction, tip, or suggestion for a new post? Contact us here.
The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.