U.S. Bank Altitude^® Go: 4X Points on Dining with No Annual Fee

Pros and Cons

Pros:

• Sign-up bonus
• 4X points on dining
• 2X points on gas, EV charging, grocery, and streaming
• No annual fee
• Intro 0% APR on purchases and balance transfers
• No penalty APR
• Annual streaming credit

Cons:

• Spending cap on dining rewards
• No bonus points on travel and entertainment
• Limited redemption options
• No transfer partners
• Points expiration
• High regular APR
• Foreign transaction fees

Welcome Offer

Earn 20,000 bonus points after spending $1,000 in the first three months.

Rewards

• 4X Points on Dining, including takeout and delivery, on up to $2,000 each quarter.
• 2X Points:
  • Gas Stations
  • EV Charging Stations
  • Streaming Services
  • Grocery Stores
• 1X Points on all other purchases.

Estimated Rewards From Everyday Spending: To estimate the U.S. Bank Altitude^® Go’s earning potential across common everyday spending categories, we used the latest available consumer spending data from the U.S. Bureau of Labor Statistics (BLS).

Dining

• Average U.S. household spending on food away from home in 2024: $3,945
• Altitude^® Go earning rate: 4X points
• Estimated annual earnings: 15,780 points, worth approximately $157.80

Gas

• Average U.S. household spending on gasoline in 2024: $2,411
• Altitude^® Go earning rate: 2X points
• Estimated annual earnings: 4,822 points, worth approximately $48.22

Groceries

• Average U.S. household spending on food at home in 2024: $6,224
• Altitude^® Go earning rate: 2X points
• Estimated annual earnings: 12,448 points, worth approximately $124.48

Total estimated earnings from these three categories: 33,050 points, worth approximately $330.50 per year.

These are estimates. Actual rewards will vary based on individual spending and whether purchases qualify for the card’s bonus categories.

Redemption Options

• Flexible Redemption: Redeem points as a direct deposit to an eligible U.S. Bank account, or use it for travel, gift cards, merchandise, and more. You can also donate to charity with a 100% match.
• Real-Time Rewards: Instantly redeem your rewards at the point of purchase, turning everyday spending into immediate savings.
• Points Expiration: U.S. Bank points expire after 12 consecutive months without account activity. Earning or redeeming points resets the clock, so this is mainly a concern if you stop using the card for a year.

Big4Credit Tip: You’ll get the maximum value from your Points when you redeem them for a deposit into an eligible U.S. Bank Account. Redemption values may be lower when you redeem Points for travel, merchandise, gift cards, statement credits, or other rewards.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
  • Paying late won’t raise your APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each foreign transaction.

Big4Credit Tip: You can use the card’s 15-billing-cycle 0% intro APR to finance a large purchase without paying interest during the introductory period. Just make sure you pay off the balance before the 0% APR period ends to avoid potentially high interest charges.

Annual Credits & Statement Credits

$15 Annual Streaming Credit: Earn a $15 annual streaming credit after 11 consecutive monthly streaming purchases, including Netflix, Apple TV, Spotify^®, Amazon Prime Video, ESPN+, Disney+, YouTube Premium, and more.

Big4Credit Tip: Use the card to pay for your eligible streaming services. You’ll earn 2X points on these purchases and can also receive a $15 annual streaming service credit after making 11 consecutive monthly streaming purchases.

Buy Now, Pay Later Options

U.S. Bank ExtendPay^® Plan: Split eligible purchases into predictable monthly payments with no interest, just a small fixed monthly fee.

Ratings

• Net Value & Cost Efficiency: 6.7/10
• Rewards & Earnings Power: 8.4/10
• Welcome Bonus Value: 8/10
• First-Year Earning Boost: 0/10
• APR & Interest Structure: 8.8/10
• Simplicity & Transparency: 9.2/10
• Perks, Benefits & Protections: 1.6/10
• Issuer Credibility & Stability: 6.4/10
• Installment & BNPL Features: 7/10
• Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

• Discover it^®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities across a variety of spending categories throughout the year.
• Active Cash^®: Earn unlimited 2% cashback on all purchases, providing a strong return on spending outside Altitude^® Go bonus categories.
• Altitude^® Connect: Earn elevated rewards on travel, gas, and EV charging purchases, complementing Altitude^® Go’s dining-focused rewards.

Alternative Cards

• Capital One Savor Rewards: A strong alternative for foodies who want elevated rewards on dining and groceries, plus entertainment and select streaming services. It earns 3% cashback in these categories with no foreign transaction fees.
• Chase Freedom Flex^®: Earn 5% cashback on rotating quarterly bonus categories (activation required), plus 3% cashback on dining and drugstore purchases. It’s a strong alternative to Altitude^® Go for cardholders who are willing to track rotating categories in exchange for higher rewards potential.
• Wells Fargo Autograph^®: Earn 3X points on dining, travel, gas/EV charging stations, transit, popular streaming services, and phone plans. Autograph is a compelling alternative to Altitude^® Go for cardholders who want to earn bonus rewards across a wider range of everyday and travel spending.

The information about the credit cards has been collected independently by big4credit.com: U.S. Bank Altitude^® Go Visa Signature^® Card. The card details have not been reviewed or approved by the card issuer.

» MORE: See Big4credit’s best credit cards for dining