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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
U.S. Bank Altitude Go Visa Signature credit card review: A no-annual-fee-card for foodies
Jennifer is a contributing writer to The Points Guy where she focuses on family travel. She is also the founder of Deals We Like where she helps her readers travel on a deal.
March 17, 2025 • 9 min read
GEORGE FREY/BLOOMBERG/GETTY IMAGES
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A no-annual-fee card is highlighted for its strong rewards in dining, groceries, gas and streaming services, appealing to those seeking simplicity.
Points are worth up to 1 cent each, making this card functionally similar to a cash-back product rather than a travel-focused one.
There are limited redemption options, with the highest value achieved through cash-back redemptions, and no rewards for travel purchases.
A modest annual streaming credit is available, but requires consistent use over nearly a year.
What to consider
Dining rewards are capped at $2,000 in spending per quarter, after which a lower rate applies.
Points will expire after 12 consecutive statement cycles without account activity, starting April 14.
Bonus categories exclude discount stores, supercenters and wholesale clubs.
What you'll miss from the article
A detailed comparison of how this card stacks up against other popular no-annual-fee and cash-back cards for different spending habits.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
U.S. Bank Altitude Go Visa Signature Card overview
The U.S. Bank Altitude® Go Visa Signature® Card is a solid no-annual-fee credit card with a fairly impressive reward structure — particularly for foodies. However, the points earned are only worth up to 1 cent each, which makes this card essentially a cash-back credit card. Plus, you won’t earn rewards on travel purchases — a major focus area for many TPG readers. Card Rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
I have seven credit cards in my wallet right now and a wishlist of at least three more I’d like to add to it this year. But that’s not the case for everyone — especially beginners and busy families. For many, the goal is to find one, or maybe two, credit cards with an affordable annual fee that will earn rewards across most, if not all, of their major spending categories.
The U.S. Bank Altitude Go Visa Signature Card is a solid credit card for anyone searching for a simple “one-and-done” rewards credit card. It has no annual fee and a recommended credit score of 670.
Let’s dive into the details.
The information for the U.S. Bank Altitude Go has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
U.S. Bank Altitude Go pros and cons
Pros
Cons
No annual fee
Solid earnings rates
Simple reward structure
Limited ways to redeem rewards
Better for credit card beginners and those who want straightforward value
Cap on quarterly cash back earning
U.S. Bank Altitude Go welcome offer
Currently, new cardholders can earn 20,000 bonus points after spending $1,000 in the first 90 days of account opening.
Points are worth up to 1 cent each, meaning this welcome bonus is worth up to $200.
THE POINTS GUY
While this certainly doesn’t compete with the bonuses from top travel credit cards, it’s pretty much on par with other no-annual-fee cash-back credit cards. Cardholders also receive a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles (then a variable APR of 18.24%-28.24%).
U.S. Bank Altitude Go benefits
Since it doesn’t charge an annual fee, you shouldn’t expect a long list of perks to accompany this card.
However, there is one unique benefit to highlight: a $15 annual streaming credit. When you use your U.S. Bank Altitude Go Card to pay for at least one of your monthly streaming service bills for 11 consecutive months, you’ll earn a $15 annual statement credit toward your streaming service subscriptions.
Eligible streaming services include Spotify, Netflix, Apple TV+ and more.
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Of course, $15 per year isn’t anything to write home about and requiring 11 months of putting a streaming service on your card is a significant hoop to jump through in order to start receiving this benefit.
But it’s still $15 a year that you wouldn’t have to pay toward streaming services if you don’t already have a card that earns more than 2% back on those purchases.
The card is a Visa Signature card, so you’ll enjoy that program's benefits as well.
Earning points with the U.S. Bank Altitude Go
The highlight of this card is its earning structure. You’ll earn 4 points per dollar spent on dining (which includes takeout and delivery) and 2 points per dollar spent on groceries (including grocery delivery services), streaming services and gas stations/electric vehicle charging stations. Discount stores, supercenters and wholesale clubs are excluded from bonus categories.
The card also earns 1 point per dollar spent on all other purchases. Just remember that the dining category (takeout and delivery included) will be subject to a $2,000 spending cap each quarter beginning April 14. After that, you'll only earn 1 point per dollar on those purchases until the next quarter begins.
This card hits many of the most common spending categories — dining, groceries, gas and streaming — with no annual fee. Sure, you can find other cards that earn more in one or two of these categories (though many of those come with higher annual fees), but you’ll be hard-pressed to find a no-annual-fee credit card that earns more points in all of these categories at once.
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The only big category missing is travel, but if you only take one or two trips a year or you are a budget traveler who only books a trip when you have the necessary rewards to cover at least part of the cost, the lack of a travel category isn’t a big deal.
Starting April 14, points will expire if there is no reward, purchase or balance activity on your credit card account for 12 consecutive statement cycles. Points earned before April 14 will not be subject to expiration.
If you’re looking for a one-and-done credit card that will earn across the majority of your everyday expenses, you’ve got it with the U.S. Bank Altitude Go Card.
Redeeming points with the U.S. Bank Altitude Go
This card is more closely aligned with a cash-back credit card than the points-earning cards that can be used to maximize travel purchases via transfer partners.
You can redeem points at a 1-cent value as cash back when deposited into an eligible U.S. Bank Account. Redemptions for gift cards, merchandise, travel or statement credits will vary and could be worth up to 0.8 cents per point. You can also donate to charity; if you choose this method, U.S. Bank will match your points donation 100%.
If you choose cash back, you can choose for the rewards to deposit into your U.S. Bank savings or checking account (2,500-point redemption minimum).
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U.S. Bank also offers a program called Real-Time Rewards, where you can enroll and redeem your points in real time as you make purchases. Essentially, you’ll get a text message anytime you make a purchase with your card that meets your preferences set up through your account.
You can then reply to that text message with a “yes” to have the points needed to offset the purchase automatically applied to your account as a statement credit (assuming you have the points to cover the charge). You can opt in, opt out and update your preferences through your online account.
Which cards compete with the U.S. Bank Altitude Go?
There are plenty of cash-back cards that compete with the fixed-value redemption options of the U.S. Bank Altitude Go.
If you want higher earning rates: offers 6% cash back at U.S. supermarkets (on up to $6,000 of purchases per year, then 1% back), 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit, 3% cash back at U.S. gas stations and 1% cash back on other purchases. However, it carries a $95 annual fee ($0 introductory annual fee for the first year; see rates and fees). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. To learn more, check out our full review of the Blue Cash Preferred card.
If you want more options for using your earnings: The (see rates and fees) has no annual fee and earns 2% cash back on all purchases — 1% when you make a purchase and another 1% when you pay it off. You can cash out these rewards or use them with hotel and airline programs for travel if you have a card that earns transferable Citi ThankYou points. To learn more, check out our full review of the Double Cash Card.
If you want flexible rewards and bonus categories: The (see rates and fees) has no annual fee and earns 5% cash back on travel booked through Chase Travel℠, 3% back on dining, 3% back on drugstore purchases and 1% back on other purchases. You'll also earn 5% back on up to $1,500 of purchases in rotating categories each quarter you activate. You can redeem your earnings for cash back or turn them into transferable points if you have certain travel cards from Chase. To learn more, check out our full review of the Freedom Flex card.
The U.S. Bank Altitude Go Card offers solid earning categories and variable redemption options — all for no annual fee. This isn't the card for you if you want travel rewards and benefits since it doesn't earn points on travel and lacks transfer partners. But if those bonus categories and redemption options sound good, the card is a worthy addition to your wallet.
Bottom line
If you’re a beginner to rewards or shopping for a busy family, a one-and-done, no-annual-fee credit card like the U.S. Bank Altitude Go that offers rewards in most major spending categories could be a perfect fit for you. It's a card that's well worth applying for if you're looking for simple rewards.
