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The U.S. Bank Altitude® Go Visa Signature® Card * The information for the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers appetizing rewards on dining, takeout and restaurant delivery. You’ll also get a tasty welcome offer, a tantalizing intro APR period, and an annual fee that’s easy to stomach: $0.

About the U.S. Bank Altitude Go card

The U.S. Bank Altitude Go Card serves up generous rewards plus a hearty welcome bonus and introductory APR. The card earns 20,000 points after spending $1,000 on purchase in the first 90 days of account opening and offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR of 18.24% to 29.24%. A balance transfer fee of 3% applies ($5 minimum). Balance transfers must be completed in the first 60 days to qualify.

For ongoing rewards, the Altitude Go earns 4 points per $1 on dining, takeout and restaurant delivery, 2 points per $1 on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases.

There’s also a $15 annual streaming credit after you make 11 consecutive months of eligible streaming purchases. Examples of eligible services include Netflix, Apple TV+ and Spotify.

As far as card benefits, the Altitude Go is a bit light on that front, but does offer the ExtendPay™ Plan feature which allows you to divide purchases over $100 into fixed monthly installments. Instead of paying interest, you pay a fixed monthly fee. Another benefit is Real-Time Rewards, which allows you to redeem points instantly after you enroll and make a qualifying purchase.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

U.S. Bank Altitude Go basics

  • Annual fee: $0.
  • Welcome bonus: 20,000 points after spending $1,000 on purchase in the first 90 days of account opening.
  • Rewards: 4 points per $1 on dining, takeout and restaurant delivery, 2 points per $1 on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases.
  • APR: 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR of 18.24% to 29.24%. A balance transfer fee of 3% applies ($5 minimum). Balance transfers must be completed in the first 60 days to qualify.
  • Perks and benefits: ExtendPay™ Plan, Real-Time Rewards and a $15 annual credit on streaming services.
  • Recommended credit score: Excellent.

U.S. Bank Altitude Go other details

U.S. Bank Altitude Go rewards

The Altitude Go Card earns rewards in the following categories: 4 points per $1 on dining, takeout and restaurant delivery, 2 points per $1 on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases.

You can earn 20,000 points after spending $1,000 on purchase in the first 90 days of account opening. That’s worth $200, redeemable for statement credits, gift cards, travel and more.

Redeeming points is simple—you can visit the rewards center online, via the mobile app, or call U.S. Bank’s 24-hour rewards center at 888-229-8864. The points on your Altitude Go Card never expire, so you can use them right away or let them accrue. In most cases, the minimum redemption amount is $25, and redemptions can be requested in $25 increments.

You can redeem points for a deposit to a bank account with U.S. Bank, a statement credit, merchandise, gift cards or travel through the U.S. Bank rewards center. You can redeem points for statement credit instantly with Real-Time Rewards once you’ve enrolled—the credit should be processed within three business days and appear on your next billing statement. 

U.S. Bank Altitude Go rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 with $25,087 in expenses they are likely to be able to charge to a credit card.

Here’s an estimate of what you could earn with the U.S. Bank Altitude Go Card:

Our sample cardholder spends $3,526 annually on dining earning a total of $141.04 cash back. Spending $4,942 on groceries plus an additional $3,009 on gas and/or electric vehicle charging and $564 on streaming services would net an additional $170.30. The remaining $13,046 would earn $130.46 for a total of $441.80 annually. That’s in addition to the first-year welcome bonus.

U.S. Bank Altitude Go APR details

The U.S. Bank Altitude Go card offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR of 18.24% to 29.24%. A balance transfer fee of 3% applies ($5 minimum). Balance transfers must be completed in the first 60 days to qualify.

U.S. Bank Altitude Go benefits and perks

  • Robust points program: The US Bank Altitude Go Card offers an impressive 4 points per $1 on dining, takeout and restaurant delivery, 2 points per $1 on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases. There’s no need to enroll to start earning since the categories remain the same throughout the year. The points are unlimited and never expire.
  • No annual fee: Even with above-average rewards on food purchases, the U.S. Bank Altitude Go Card doesn’t charge an annual fee, making the rewards even sweeter.
  • No foreign transaction fees: Unlike some competing rewards cards, there are no foreign transaction fees on the Altitude Go Card. So next time you’re traveling abroad, you can swipe with peace of mind. 
  • ExtendPay™ Plan: This offers the option to pay for purchases of $100 or more in equal monthly installments for a fixed fee. After you make a purchase, log in to your U.S. Bank account to enroll. Eligibility to participate in ExtendPay™ Plans may vary based on your credit account activity.
  • Real-Time Rewards: Receive points instantly on eligible purchases via text message when you enroll in Real-Time Rewards. Once you make a qualifying purchase, you will receive a text message asking if you want to use points to redeem immediately. Reply “REDEEM” to apply the rewards to your card balance. You must have enough points to cover the entire purchase to receive the text message to redeem.

U.S. Bank Altitude Go drawbacks

  • No bonus category for travel: Though the U.S. Bank Altitude Go Card offers solid rewards in popular categories like supermarkets and gas stations, it does not offer bonus points for travel. 
  • Flat redemption rate: The value of your points is a flat 1 cent per point regardless of redemption type. This differs from the U.S. Bank Altitude® Reserve Visa Infinite® Card * The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which allows you to redeem points at a value of 1.5 cents per point for bookings through the travel portal.
  • Requires excellent credit: If your credit score needs some work, it’s best to hold off on applying for the U.S. Bank Altitude Go Card. However, you can build credit while still earning points with the U.S. Bank Altitude® Go Secured Visa® Card * The information for the U.S. Bank Altitude® Go Secured Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which offers the same generous rewards program as the regular Altitude Go—but requires a security deposit of at least $300.

How the U.S. Bank Altitude Go compares to other rewards cards

U.S. Bank Altitude Go vs. Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Chase Freedom Flex allows you to earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases. There is a $200 bonus after spending $500 on purchases in the first three months of account opening.

Rewards on this card come as Chase Ultimate Rewards points, a highly flexible currency that can be redeemed in a variety of ways: as cash back to a bank account, for a statement credit to your card, to book travel, to buy merchandise or gift cards or even transferred between Ultimate Rewards-earning cards (either another card you hold or one held by a household member) for potentially greater redemption value.

U.S. Bank Altitude Go vs. American Express® Gold Card

Like the Altitude Go, the American Express Gold Card (terms apply, rates & fees) earns 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U.S., 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases. Although it carries an annual fee of $250, this card offers more for travelers with its elevated rewards on flights booked directly with airlines or through American Express Travel. 

Plus, Amex Gold cardholders enjoy up to $120 per calendar year in Uber Cash for rides and Uber Eats orders (card must be added in Uber app to receive benefit) and a dining credit of up to $120 per year in statement credits for purchases with select merchants such as Milk Bar and The Cheesecake Factory (enrollment required).

U.S. Bank Altitude Go vs. JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The JetBlue Plus credit card is an excellent option for travelers who fly on JetBlue at least once a year. You earn 6 points per $1 on eligible JetBlue purchases, 2 points per $1 at restaurants and eligible grocery stores and 1 point per $1 on all other purchases. The $99 annual fee is reasonable considering all of the perks, such as a free checked bag when flying on JetBlue and 5,000 bonus points annually after your account anniversary.

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Apply Now
On Bank of America’s Secure Website

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24% Variable APR on purchases and balance transfers

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 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.

Editor’s Take

Pros
  • Lengthy intro APR financing on both new purchases and balance transfers.
  • Flexibility to choose your preferred cash-back category.
  • Solid welcome bonus after meeting spend requirements.
Cons
  • Elevated cash-back rates have a quarterly spending cap.
  • Few benefits.
  • There’s a foreign transaction fee.
This card’s unique rewards structure lets you choose each month which spending category from a list of six where you want to earn elevated cash back. It’s sure to be a favorite for consumers who need flexibility.

Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Should you get the U.S. Bank Altitude Go Card?

The U.S. Bank Altitude Go Card offers top-notch dining rewards for a card with no annual fee. If you spend a lot on food prepared by others, whether it’s dining at a restaurant, takeout or delivery, the Altitude Go Card is hard to beat.

U.S. Bank Altitude Go summary

U.S. BANK ALTITUDE GO CARD DETAILS
Annual fee
$0
Rewards
4 points per $1 on dining, takeout and restaurant delivery, 2 points per $1 on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases
APR
0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR of 18.24% to 29.24%. A balance transfer fee of 3% applies ($5 minimum). Balance transfers must be completed in the first 60 days to qualify
Foreign transaction fees
None
Perks & benefits
$15 credit on streaming services such as Netflix and Hulu after 11 consecutive months of streaming purchases, pay for purchases in fixed monthly installments by enrolling eligible purchases in an ExtendPay™ Plan and the ability to redeem points instantly via Real-Time Rewards

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

  • Rewards potential and redemption options.
  • Welcome bonuses.
  • Travel and shopping benefits.
  • Intro APRs.
  • Annual fees.

Frequently asked questions (FAQs)

The U.S. Bank Altitude Go Card requires an excellent credit score, which is typically considered as a FICO Score of 740 or higher. If your credit needs some work, the U.S. Bank Altitude® Go Secured Visa® Card * The information for the U.S. Bank Altitude® Go Secured Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an alternative worth considering. It requires a security deposit of at least $300, but the deposit is refundable if you pay off your card in full and close the account, or if U.S. Bank decides your behavior merits graduation to an unsecured credit card.

There is a one-time 20,000 points after spending $1,000 on purchase in the first 90 days of account opening. That’s $200 you can redeem for statement credit or purchasing travel, gift cards or merchandise through the U.S. Bank rewards center.

You can’t combine points from your U.S. Bank Altitude Go Card with points from the U.S. Bank Altitude™ Reserve Visa Infinite® Card. However, you can combine points on your Altitude Go Card and the U.S. Bank Altitude® Connect Visa Signature® Card * The information for the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , up to 20,000 points annually.

Yes, your U.S. Bank Altitude Go Card has a credit limit which is determined during the application process. U.S. Bank doesn’t publish its credit limit ranges since it varies by cardholder depending on creditworthiness and other factors.

The U.S. Bank Altitude Go Card does not charge foreign transaction fees, so you can use your card abroad with more peace of mind.

For rates and fees for the American Express® Gold Card please visit this page.

*The information for the Chase Freedom Flex℠, JetBlue Plus Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Altitude® Go Secured Visa® Card, U.S. Bank Altitude® Go Visa Signature® Card and U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Theresa Stevens is a personal finance writer based in Boston, MA. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.