U.S. Bank Altitude Go Visa Signature Card Review – 20,000 Bonus Points and 4X Rewards

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Overview

U.S. Bank Altitude Go Visa Signature Card is a personal credit card that offers a bonus of 20,000 points and excellent rewards on everyday purchases. It not only gives out a bounty of $200 cash value, but also offers cardholders 4 rewards points for each dollar spent in dining, takeout, and food delivery, 2 rewards points for each dollar in grocery stores, gas stations, and on streaming services. All of these spending categories are the most common purchases for consumers.

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 15.24% - 24.24%.
  • No Annual Fee
  • Points never expire
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.

Card Benefits

Sign-up Bonus

If you spend $1,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 points. You can redeem the bonus points for $200 cash back in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account. Earning the bonus of $200 value is like receiving a 20% discount on your first $1,000 in purchases, which is a good way to put more cash rewards back in your pocket.

How to Earn Rewards

You will earn 4 points for every dollar you spend at restaurants, fast-food restaurants, or bars. Plus, you will earn 2 points for every dollar at grocery stores, supermarkets, gas stations, and qualifying streaming subscription service providers. For every dollar you spend on all other purchases, you will also earn 1 point. Your points never expire and they last as long as your account is in good standing.

For instance, if you spend $10,000 on dining out, $5,000 on gas, $5,000 on groceries, $2,000 on streaming service, and $10,000 on everything else in a year, you will receive 74,000 rewards points, redeemable for $740 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Spending CategorySpendingRewards Points
Dining Out$10,00040,000
Gas$5,00010,000
Groceries$5,00010,000
Streaming Service$2,0004,000
Everything Else$10,00010,000
Total$32,00074,000
U.S. Bank Altitude Go Visa Signature Rewards Calculation Chart

How to Redeem Rewards

To redeem U.S. Bank Altitude points, you just need to log in to your online account and click the menu of “My Rewards” to access redemption options. Rewards points can be redeemed for cash back, merchandise, gift cards, or travel. If you just want straight cash back, you can request cash rewards in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account, with a minimum redemption of 2,500 Points for $25. Alternatively, you may choose to redeem Altitude points for gift cards or travel, in which you will receive 1 cent per point in value. You can choose gift cards from popular merchants such as Amazon, Best Buy, Saks Fifth Avenue, and Macy’s.

$15 Annual Bonus on Streaming Service

If you subscribe to monthly streaming service from merchants such as Netflix, Hulu, Apple Music, you will receive an automatic statement credit of $15 once per year. The $15 bonus will be applied to your U.S. Bank Altitude Go Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. It also offers 0% interest on purchases and balance transfers for the first 12 billing cycles.

Required Credit Rating

The U.S. Bank Altitude Go Visa Signature Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

Is this the right card for you?

If you are looking for a credit card with moderate bonus and good rewards on everyday purchases, the U.S. Bank Altitude Go Visa Signature Card is one of the best card offers for it. You can earn 20,000 bonus points, redeemable for $200 in straight cash rewards, and up to 4X rewards on purchases on most frequent purchases such as dining, grocery, gas, and streaming service. In addition, this credit card charges no annual fee and lets you enjoy 0% APR for the first 12 months.

Similar Rewards Credit Cards

If you are interested in U.S. Bank Altitude Go Visa Signature Card, you may also consider a few other credit cards with similar benefits.

Credit Card Bonus

Credit CardBonus and RewardsAnnual Fee
Citi Premier Card

Citi Premier® Card

  • 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • 3 Points per $1 spent at Restaurants and Supermarkets
  • 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 1 Point per $1 spent on all other purchases
  • $95
    Bank of America Travel Rewards Credit Card

    Bank of America® Travel Rewards credit card

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • $0
    Bank of America Premium Rewards Credit Card

    Bank of America® Premium Rewards® credit card

  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • $95
    U.S. Bank Altitude Connect Visa Signature Card

    U.S. Bank Altitude® Connect Visa Signature® Card

  • Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
  • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
  • $0 intro annual fee for the first year, $95 thereafter

    Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Wells Fargo Active Cash Card

    Wells Fargo Active Cash® Card

  • $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Unlimited 2% cash rewards on purchases
  • $0
    (fees)
    Bank of America Customized Cash Rewards Credit Card

    Bank of America® Customized Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • $0
    Citi Custom Cash Card

    Citi Custom Cash℠ Card

  • $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • $0
    Bank of America Unlimited Cash Rewards credit card

    Bank of America® Unlimited Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
  • $0
    Citi Rewards+ Card

    Citi Rewards+® Card

  • 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    Citi Double Cash Card - 18 month BT offer

    Citi® Double Cash Card - 18 month BT offer

    2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • $0
    (fees)
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • $0

    Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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