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U.S. Bank Altitude Go Visa Signature Card card art
U.S. Bank · altitude

U.S. Bank Altitude Go Visa Signature Card

3.9 / 5
U.S. Bank points · Personal card

A no-annual-fee dining card with a genuinely high 4X rate, held back by a $2,000 quarterly cap and a 3% foreign transaction fee. Points redeem at roughly a cent into a U.S. Bank account and cannot be transferred anywhere.

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At a glance

Welcome bonus
20,000 points
Spend $1,000 in 3 months
Annual fee
$0
Purchase APR
17.49% to 27.49%
Intro: 0% for 15 months
FX fee
3%
BT intro: 0% for 15 months
Editorial

Our take

A no-annual-fee dining card with a genuinely high 4X rate, held back by a $2,000 quarterly cap and a 3% foreign transaction fee. Points redeem at roughly a cent into a U.S. Bank account and cannot be transferred anywhere.

Verdict

Pros & cons

Pros

  • 4X on dining with no annual fee
  • $15 annual streaming credit after 11 months of qualifying purchases
  • 0% intro APR on purchases and balance transfers for 15 billing cycles
  • Points do not expire while the account stays active

Cons

  • 3% foreign transaction fee makes it a poor card to travel with
  • The 4X dining rate stops after $2,000 each quarter
  • Points are fixed-value and have no transfer partners
Earnings

Earn rates

CategoryRateNotes
Dining4x points4X on the first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases, including takeout and delivery.·cap $2,000
Groceries2x pointsWholesale clubs and discount stores or supercenters such as Target and Walmart earn 1X.
Gas & EV charging2x pointsWholesale clubs, discount stores or supercenters and grocery stores earn 1X.
Select streaming services2x pointsQualifying streaming subscription services.
All other purchases1x points
Benefits

Key benefits

4X on dining, capped quarterly

4X points on the first $2,000 of restaurant, fast-food and bar spending each quarter, which covers about $667 a month of eating out.

$15 annual streaming credit

An automatic $15 statement credit per 12-month period after 11 consecutive months of eligible streaming purchases such as Netflix, Hulu or Apple Music.

15 billing cycles at 0% APR

0% intro APR on purchases and on balance transfers made within 60 days of account opening, for the first 15 billing cycles.

Charitable donation match

Redeem points toward a monetary charitable contribution and U.S. Bank matches your contribution at 100%.

Fit

Who this is best for

  • People who spend up to $2,000 a quarter on restaurants and takeout
  • Households that want a small automatic credit for streaming subscriptions
  • Anyone carrying a balance who wants 15 billing cycles at 0%
FAQ

Frequently asked questions

What is the U.S. Bank Altitude Go welcome bonus?
One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Go Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening.
Does the U.S. Bank Altitude Go charge an annual fee?
No. The U.S. Bank Altitude Go has a $0 annual fee.
Does the U.S. Bank Altitude Go have a foreign transaction fee?
Yes. The U.S. Bank Altitude Go charges a 3% foreign transaction fee on purchases made outside the US.
Does the U.S. Bank Altitude Go offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 17.49% to 27.49% variable.
Who is the U.S. Bank Altitude Go best for?
People who spend up to $2,000 a quarter on restaurants and takeout. Households that want a small automatic credit for streaming subscriptions. Anyone carrying a balance who wants 15 billing cycles at 0%.
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U.S. Bank Altitude Go Visa Signature Card

Spend $1,000 in 3 months
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Rates accurate as of September 4, 2026. Issuer terms.