Altitude® Go: 4X Points on Dining with No Annual Fee
Earn 4X points on dining, 2X on groceries, gas, EV charging, and streaming services, and 1X on all other purchases, plus a credit for streaming service purchases and no annual fee.
The Bottom Line
4.6
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The U.S. Bank Altitude® Go Visa Signature® Card stands out for its high rewards on dining, earning 4X points at restaurants, along with 2X points on groceries, gas, EV charging, and streaming services. It also includes a small annual streaming credit as an added perk, all with no annual fee and a simple rewards structure. It’s best for people who spend regularly on dining and want strong everyday rewards without paying an annual fee. Those who want premium travel perks or higher rewards outside of dining may find better options.
Altitude® Go
Apply now
On U.S. Bank's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
17.49% - 27.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4X points on dining, including takeout and delivery, on up to $2,000 each quarter. Additionally, earn 2X points on gas/EV charging stations, select streaming, and groceries, plus 1X on all other eligible purchases.
1x - 4x Points
Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.
20,000 Points
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/EV Charging Stations
- Streaming Services
- Grocery Stores
- 1x Points on all other purchases.
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.
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.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each foreign transaction.
Annual Credits & Statement Credits
- $15 Annual Streaming Credit: Earn a $15 statement credit each year on eligible streaming service purchases, including Netflix, Apple TV, Spotify®, and more.
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.
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.