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

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 15 billing cycles, then variable
• Rewards: 4X dining (up to $2,000/quarter), 2X streaming/grocery/gas, 1X everything else
• Bonus: 20,000 points after $1,000 spend in 90 days
• Best For: Dining enthusiasts, streamers, no-fee rewards seekers
• Credit Needed: Good to Excellent (670+)

Overview

The U.S. Bank Altitude Go Visa Signature Card is a no-annual-fee powerhouse for dining and everyday spending. With 4X points on dining purchases (up to $2,000 quarterly), 2X points on streaming services, grocery stores, and gas stations, plus a valuable $15 annual streaming credit, this card delivers premium rewards without the premium price tag.

What sets this card apart is its unique 100% point matching system: when you redeem points for travel, merchandise, gift cards, or charitable donations, U.S. Bank matches your points dollar-for-dollar, effectively doubling their value. Combined with a generous 15-billing-cycle 0% intro APR on both purchases and balance transfers, this card is perfect for those who want strong dining rewards and flexibility without paying an annual fee.

APR Breakdown

• Purchase APR: 0% intro APR for the first 15 billing cycles, then variable APR applies
• Balance Transfer APR: 0% intro APR for the first 15 billing cycles, then variable APR applies
• Cash Advance APR: Variable APR applies (cash advances not eligible for intro rate)
• Penalty APR: None specified

Note: The 15-billing-cycle intro APR is one of the longer promotional periods available, giving you over a year to pay down purchases or transferred balances interest-free.

Benefits Overview

Travel Benefits

• No foreign transaction fees (Visa Signature benefit)
• Travel and emergency assistance services
• Auto rental collision damage waiver
• Trip cancellation/interruption insurance (Visa Signature)
• Emergency card replacement and cash disbursement

Everyday Benefits

• Purchase security protection
• Extended warranty protection (adds coverage to manufacturer's warranty)
• Return protection (for items merchants won't accept)
• Real-Time Rewards (redeem rewards via text for instant statement credits)
• Contactless tap-to-pay for secure transactions
• Zero liability fraud protection

Lifestyle Benefits

• $15 annual streaming service credit (after 11 months of eligible streaming purchases)
• Shopping Deals portal with bonus earning opportunities at participating retailers
• Real-Time Rewards for instant redemptions
• 100% point matching on redemptions (effectively doubles point value)

Rewards & Cash Back

• 4X points on first $2,000 in combined dining, takeout, and restaurant delivery purchases each quarter (then 1X)
• 2X points on streaming services (unlimited)
• 2X points on grocery stores and gas/EV charging stations (excludes discount stores, supercenters, and wholesale clubs)
• 1X point on all other eligible purchases
• 100% point matching when redeemed for travel, merchandise, gift cards, or charitable donations
• Points never expire as long as your account remains active and in good standing
• Redemption options: Account deposits, merchandise, gift cards, travel bookings, charitable donations
• Access to Shopping Deals for bonus earning at 1,000+ online merchants

The 4X Dining Cap: You can earn 4X points on up to $2,000 in dining purchases per quarter. That's $8,000 annually in dining spend at 4X, earning up to 32,000 points ($320 value with matching). After reaching the quarterly cap, dining purchases earn 1X.

Welcome Bonus

Earn 20,000 bonus points after you spend $1,000 in net purchases within the first 90 days of account opening.

With the 100% point matching on redemptions, these 20,000 bonus points are worth $200 when redeemed for travel, merchandise, or gift cards—making this one of the best no-annual-fee welcome bonuses available.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: $0 (no foreign transaction fees)
• Balance Transfer Fee: 5% of transfer amount ($5 minimum)
• Cash Advance Fee: Standard fees apply
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Frequent diners who spend $2,000+ per quarter on restaurants, takeout, and delivery
• Streaming service subscribers who want to earn 2X points plus an annual $15 credit
• Grocery shoppers and drivers who benefit from 2X on grocery stores and gas stations
• Value seekers who want strong rewards without an annual fee
• Balance transfer needs who can take advantage of the 15-billing-cycle 0% intro APR
• Those wanting simple point redemptions with the 100% matching benefit

Not Good For

• Warehouse club shoppers (Costco, Sam's Club excluded from 2X grocery/gas categories)
• Those exceeding $2,000 quarterly dining spend (rewards drop to 1X after cap)
• Cash-back purists who prefer direct cash back over points-based rewards
• International travelers needing insurance (basic Visa Signature coverage only)
• Premium travel perks seekers (no lounge access or travel credits beyond streaming)

Key Pros & Cons

Pros

• No annual fee ever makes it accessible for all cardholders
• Strong 4X points on dining with generous $2,000 quarterly cap ($8,000 annually)
• 100% point matching effectively doubles redemption value for travel and merchandise
• $15 annual streaming credit offsets subscription costs
• Generous 2X categories: streaming (unlimited), grocery stores, and gas stations
• Extended 15-billing-cycle 0% intro APR on purchases and balance transfers
• No foreign transaction fees (great for international use)
• Points never expire with active account
• Real-Time Rewards for instant redemptions via text

Cons

• 4X dining rewards capped at $2,000 per quarter (over cap earns only 1X)
• Grocery and gas 2X categories exclude warehouse clubs and supercenters
• Requires tracking quarterly dining spend to maximize the 4X benefit
• Streaming credit requires 11 months of eligible purchases before applying
• No airline or hotel transfer partners limits premium redemption options
• Variable APR after intro period can be high for balance carriers
• ExtendPay Plans carry fees after the initial 60-day offer

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $14,000 per year on typical expenses:

Total Estimated First-Year Value: $637
Total Estimated Ongoing Yearly Value: $437

This assumes you redeem points for travel, merchandise, or gift cards to receive the 100% matching benefit.

Should You Get This Card?

You Should Get It If…

• You're a frequent diner spending $2,000+ per quarter on restaurants and takeout
• You want strong rewards across multiple everyday categories without an annual fee
• You value the flexibility of earning points you can redeem for travel or merchandise
• You subscribe to streaming services and want to earn 2X points plus a $15 annual credit
• You need a 0% intro APR period for purchases or balance transfers
• You appreciate the 100% point matching that effectively doubles your rewards value
• You want no foreign transaction fees for international purchases

You Should Skip It If…

• You primarily shop at warehouse clubs like Costco or Sam's Club (excluded from 2X categories)
• You spend significantly over $2,000 per quarter on dining (rewards drop to 1X after cap)
• You prefer simple cash back over points-based rewards systems
• You need premium travel benefits like lounge access or comprehensive insurance
• You want 3%+ unlimited rewards on dining without tracking caps
• You're looking for airline or hotel transfer partners for maximum point value

Apply Now

Apply for U.S. Bank Altitude Go Visa Signature Card

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.