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U.S. Bank Altitude Go Visa Signature Review

U.S. Bank Altitude Go Visa Signature Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jun 30, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

U.S. Bank recently launched the U.S. Bank Altitude® Go Visa Signature® Card, a new credit card geared toward those who regularly dine out or use food delivery and streaming services.

The $0 annual fee card offers a high rewards rate on dining and food delivery services – holding its own against competing dining rewards cards. Additionally, cardholders earn rewards on groceries, gas and streaming services.

We break down the pros and cons of the U.S. Bank Altitude® Go Visa Signature® Card, and show how it compares to another credit card that also offers rewards on dining and grocery store purchases – the Capital One® SavorOne® Cash Rewards Credit Card.

U.S. Bank Altitude® Go Visa Signature® Card points, which never expire, are worth approximately 1 cent each and can be redeemed for merchandise, gift cards, cash back, travel and more.

Read: Best Credit Cards for Restaurants

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

No annual fee. The U.S. Bank Altitude® Go Visa Signature® Card comes with a $0 annual fee.

Sign-up bonus. The U.S. Bank Altitude® Go Visa Signature® Card comes with a solid sign-up bonus. Cardholders earn 20,000 bonus points after you spend $1,000 in the first 90 days of account opening.

Rewards rate. U.S. Bank Altitude® Go Visa Signature® Card members earn a generous rewards rate – especially for a card with a $0 annual fee: Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

The dining category includes a broad range of eateries, including restaurants, fast food establishments and bars. The grocery store category includes supermarkets; however, purchases made at discount or retail stores that sell groceries may not qualify.

Introductory APR. If you want to finance a large purchase or transfer a balance interest-free, you can do so for a year with the U.S. Bank Altitude® Go Visa Signature® Card. Cardholders receive a 0% introductory APR for the first 12 billing cycles on purchases, then a regular APR of 14.99% to 23.99% variable will apply.

The card also offers a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After that, an APR of 14.99% to 23.99% variable will apply to any unpaid portion of the balance.

Streaming service credit. Cardholders receive an automatic statement credit of $15 per year following 11 consecutive months of streaming service purchases, including Netflix, Hulu, Apple Music, Spotify and more.

Additional benefits:

  • Roadside assistance.
  • Visa® Signature Luxury Hotels discounts and benefits.
  • Concierge assistance for event bookings, travel and additional services.
  • Hotline assistance for travel and other emergencies.
  • VIP access for designated events.

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

Mediocre benefits. The U.S. Bank Altitude® Go Visa Signature® Card lacks some of the popular benefits often offered by credit cards, such as purchase protections and cellphone insurance.

Balance transfer fee. While the U.S. Bank Altitude® Go Visa Signature® Card offers an introductory APR on balance transfers, you will be subject to a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Read: Which Credit Cards Offer Cellphone Insurance?

Compare it to the Capital One® SavorOne® Cash Rewards Credit Card

If you want to earn rewards on dining and streaming services, but prefer cash back over points, the Capital One® SavorOne® Cash Rewards Credit Card is a great alternative.

The card offers 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. Additionally, cardholders earn 3% cash back on select streaming services, including Netflix, Hulu and Disney+, through Sept. 30, 2020.

Cashback rewards can be redeemed for statement credits or checks, as well as previous purchases, gift cards and more.

U.S. Bank Altitude® Go Visa Signature® Card vs. Capital One® SavorOne® Cash Rewards Credit Card

 U.S. Bank Altitude® Go Visa Signature® CardCapital One® SavorOne® Cash Rewards Credit Card
Annual fee$0$0
Sign-up bonusEarn 20,000 bonus points after you spend $1,000 in the first 90 days of account opening.Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Rewards rateEarn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases.
Intro APR on purchases0% introductory APR for the first 12 billing cycles0% intro on purchases for 15 months
Regular purchase APR14.99% to 23.99% variable15.49% - 25.49% (variable)
Intro APR on balance transfers0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening0% intro on balance transfers for 15 months
Regular balance transfer APR14.99% to 23.99% variable15.49% - 25.49% (variable)
Foreign transactin feesNoneNone

If you’re planning to make a large purchase and pay it off over time, you may be better off with the Capital One® SavorOne® Cash Rewards Credit Card, since it offers a slightly longer intro APR on purchases than the U.S. Bank Altitude® Go Visa Signature® Card.

Additionally, the U.S. Bank Altitude® Go Visa Signature® Card offers a sign-up bonus that’s worth $50 more than the Capital One® SavorOne® Cash Rewards Credit Card. That said, the card also requires you to spend $500 more in the first 90 days to earn the bonus.

Read our Capital One® SavorOne® Cash Rewards Credit Card review.

Which credit card is best for you?

The U.S. Bank Altitude® Go Visa Signature® Card and the Capital One® SavorOne® Cash Rewards Credit Card cards are both solid options if you spend a decent amount on dining, grocery store purchases and streaming services each month. But if you plan to carry a balance from month-to-month, the Capital One® SavorOne® Cash Rewards Credit Card may be the better option, since you can do so interest-free for a longer period of time.

Just know, the Capital One® SavorOne® Cash Rewards Credit Card only offers an elevated rewards rate on streaming services through Sept. 30.

Read: Best Credit Cards for Shopping Online, Streaming Services and Food Delivery


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