U.S. Bank Altitude Go Visa Signature Card Review: Get Generous Rewards without an Annual Fee!

Are you looking for a credit card that offers impressive rewards in popular categories without charging an annual fee? Look no further than the U.S. Bank Altitude Go Visa Signature Card! This card is a great choice for those who want to earn bonus points on dining, groceries, gas, and streaming, all while avoiding an annual fee. However, it’s important to note that this card may not be the best fit for frequent travelers or those who prefer home-cooked meals.

TIME’s Take

According to TIME, the U.S. Bank Altitude Go Visa Signature Card is an excellent option for individuals who want to earn big bonuses in categories like dining, groceries, gas, and streaming, all without paying an annual fee. However, it’s worth mentioning that there are other no-annual-fee cards that offer better bonuses, and the lack of transfer partners makes it less than ideal for frequent travelers. Additionally, U.S. Bank’s customer service record could be better. Overall, if you’re looking to earn bonus points without an annual fee, this card is a solid choice.

Pros and Cons

Let’s take a look at the pros and cons of the U.S. Bank Altitude Go Visa Signature Card:

Pros:

• Earn 4 points per dollar on dining
• No hotel or airline transfer partners
• Welcome bonus of bonus_miles_full points (worth $200)
• Points never expire

Cons:

• No bonus rewards for hotel or airline purchases
• Minimum redemptions apply

Rewards

The U.S. Bank Altitude Go Visa Signature Card offers excellent rewards earning rates, especially for a card with no annual fee. Here’s what you can earn with this card:

• 4 points per dollar on dining, takeout, and restaurant delivery
• 2 points per dollar at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations
• 1 point per dollar on all other purchases

Notably, this card also earns 2 points per dollar on streaming services and EV charging. Additionally, you can take advantage of shopping deals when using your U.S. Bank Altitude Go Visa Signature Card for online purchases.

Welcome Bonus

When you sign up for the U.S. Bank Altitude Go Visa Signature Card, you can earn a welcome bonus of bonus_miles_full points. With each point being worth 1 cent, the welcome bonus is worth $200 and can be used towards any available redemption options.

Points Redemption

You can easily redeem your points by visiting the Rewards Center on the U.S. Bank website, logging in to the mobile app, or calling the 24-hour Rewards Center. Redemption options include cash or statement credit, deposit into a U.S. Bank checking account, gift cards, merchandise, and travel. You can also enroll in Real-Time Rewards, which allows you to instantly redeem points via text message at participating retailers. It’s important to note that point values are capped at 1 cent each, and there are no transfer partners available.

Benefits

In addition to travel rewards, the U.S. Bank Altitude Go Visa Signature Card offers several other benefits, including:

• Streaming bonus: Enjoy a $15 annual credit for streaming services like Netflix, Apple TV+, and Spotify.
• ID Navigator from NortonLifeLock™: Gain access to identity threat alerts.
• Visa Signature Luxury Hotels: Experience special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
• Visa Signature rental car privileges: Enjoy discounts on base rates from Budget and Avis, as well as qualifying rentals from Audi on demand.
• Lounge access: Access more than 1,300 airport lounges worldwide with Priority Pass.
• Zero liability: You won’t be held responsible for unauthorized transactions.
• Extended warranty protection: Extend your manufacturer’s warranty by up to 1 year on eligible warranties.
• Trip delay reimbursement: Receive up to $300 when you experience a covered hazard delay of more than 12 hours.
• Cellphone protection: Get reimbursed if your phone is damaged or stolen when you pay your monthly wireless bill with your U.S. Bank Altitude Go Visa Signature Card.

Fine Print

Here are some important details to consider:

• Interest rates:
  • Regular purchase APR: reg_apr,reg_apr_type
  • Regular balance transfer APR: balance_transfer_rate
  • Introductory purchase APR: intro_apr_rate for intro_apr_duration
  • Introductory balance transfer APR: balance_transfer_intro_apr for balance_transfer_intro_duration
• Fees:
  • Annual fee: annual_fees
  • Balance transfer fee: balance_transfer_fees
  • Cash advance fee: cash_advance_fee
  • Foreign transaction fee: foreign_transaction_fee

Application Process

Applying for the U.S. Bank Altitude Go Visa Signature Card is a quick and easy process that can be completed entirely online. According to U.S. Bank, it should only take about 5 minutes to fill out the application form, which requires basic information like your name, email address, and phone number. While U.S. Bank doesn’t specify the exact credit score needed to apply, their credit products are generally suitable for individuals with established credit and a good to excellent credit score.

Customer Service

It’s worth noting that U.S. Bank has received poor ratings for its customer service regarding credit products. Many customers have complained about long wait times, difficulties updating personal information, and unsatisfactory fraud resolution. If exceptional customer support is a top priority for you, it’s important to exercise caution before choosing this card.

Who Is the Card For?

The U.S. Bank Altitude Go Visa Signature Card is an excellent choice for individuals who want to earn generous rewards without paying an annual fee. If you frequently order takeout and indulge in streaming services, this card is perfect for you as it offers bonus points in both categories (4 points per dollar on restaurants and 2 points per dollar on streaming). Additionally, this card is suitable for those looking for a low introductory APR offer.

How to Decide If the Card Is Right for You

To determine if the U.S. Bank Altitude Go Visa Signature Card is the right fit for you, consider its unique combination of perks and benefits. If the example provided earlier resonates with your spending habits, this card is definitely worth considering. However, if you frequently travel or want the highest rewards rates on gas and groceries, other cards may offer better options.

Why You Might Want a Different Card

While the U.S. Bank Altitude Go Visa Signature Card offers solid rewards, you may want to explore other options if you frequently travel or stay in hotels. This card does not earn bonus points for travel and lacks transfer partners, meaning you cannot increase the value of your points by transferring them. Additionally, if you desire higher rewards rates on gas and groceries, there are other credit cards available that offer better rates.

How Altitude Go Visa Signature Stacks Up

Here’s a comparison to help you gauge how the U.S. Bank Altitude Go Visa Signature Card stacks up against other cards:

*Note: Earning cash back on purchases means you receive a certain number of cents for every dollar spent. For example, 4% cash back means you get 4 cents for every dollar spent in that category. U.S. Bank Altitude Go points are valued at one cent per point.

What Are the Best Cards to Complement This Card?

To maximize your rewards potential, consider pairing the U.S. Bank Altitude Go Visa Signature Card with other complementary cards that excel in different areas. Here are some recommendations:

• Flexible travel rewards: Consider cards like the “card_name” and the “card_name” that offer high cash back rates on travel booked through Chase Ultimate Rewards and provide the option to transfer points to travel partners for potentially higher redemption rates.
• Bonus on every purchase: The “card_name” earns unlimited 1% cash back on every purchase and an additional 1% cash back when you make a payment.
• High bonus rates: The “card_name” mentioned earlier earns 8% cash back on Capital One Entertainment purchases and 4% cash back on dining, entertainment, and streaming. Another card to consider is the “card_name,” which earns 6% cash back on up to $6,000 in grocery purchases per year. While it has an annual fee, it offers exceptional rewards in the grocery category.

Frequently Asked Questions (FAQs)

Here are answers to some common questions about the U.S. Bank Altitude Go Visa Signature Card:

Can I transfer balances from other credit cards to the U.S. Bank Altitude Go Visa Signature Card?

Yes, this card supports balance transfers with a balance_transfer_intro_apr APR. However, balance transfers must be completed within the first 60 days of account opening.

U.S. Bank Altitude Go Visa Signature Card vs. Chase Freedom Unlimited – which is better?

The better choice between the two cards depends on your spending habits. The Chase Freedom Unlimited card offers higher cash back rates on travel and drugstore purchases, as well as a flat cash back rate on other purchases. However, the U.S. Bank Altitude Go Visa Signature Card excels in dining, streaming, and grocery categories. Consider complementing these cards instead of choosing one over the other.

Can I combine Altitude points?

While you can combine points from two Altitude Reserve cards, you cannot combine points from an Altitude Reserve card with points from the U.S. Bank Altitude Go Visa Signature Card.

Is the U.S. Bank Altitude Go Visa Signature Card made of metal?

Yes, the U.S. Bank Altitude Go Visa Signature Card features a metal layer between two plastic layers, giving it a premium and sturdy feel.

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