U.S. Bank Altitude® Go Card Review 2023: No annual fee and generous rewards for food lovers

The U.S. Bank Altitude Go Credit Card offers an appetizing 4 points per dollar spent on dining, takeout and restaurant delivery. You’ll also get a tasty welcome offer, a tantalizing 0% intro APR period, and an annual fee that’s easy to stomach: $0.

Written by Theresa Stevens / January 4, 2023
Reviewed by Robin Saks Frankel

Inside this article

  1. Introduction
  2. U.S. Bank Altitude Go basics
  3. U.S. Bank Altitude Go other detail
  4. Alternate rewards credit cards 
  5. Should you get the U.S. Bank Altitude Go Card?
  6. U.S. Bank Altitude Go summary
  7. Frequently Asked Questions

Introduction

The U.S. Bank Altitude Go Card serves up generous rewards plus a hearty welcome bonus and introductory APR. The card earns 20,000 bonus points after spending $1,000 within the first three months after opening the account and offers an introductory 12-month 0% APR on purchases and balance transfers. After, a 19.24% - 28.24% variable APR applies.

For ongoing rewards, the Altitude Go earns 4 points per dollar at restaurants, including dining, takeout, and delivery, 2 points per dollar at supermarkets, grocery delivery, streaming services, gas stations, and EV charging stations, and 1 point per dollar on all other 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.

U.S. Bank Altitude Go basics

  • Annual fee: $0

  • Welcome bonus: 20,000 bonus points ($200 value) after you spend $1,000 on your card within 90 days of account opening

  • Rewards: 4 points per dollar on dining, takeout and restaurant delivery, 2 points per dollar on supermarkets, grocery delivery, streaming services, gas stations and EV charging stations, 1x points on everything else

  • Regular APR: 19.24% - 28.24% (variable)

  • Introductory APR: 0% APR on purchases and balance transfers for the first 12 months

  • Balance transfer fee: 3% of each transfer, $5 minimum

  • Perks: ExtendPay™ Plan, Real-Time Rewards, $15 annual credit on streaming services

  • Recommended credit score: Excellent

U.S. Bank Altitude Go other detail

U.S. Bank Altitude Go rewards

The Altitude Go Card earns rewards in the following categories: 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at supermarkets, grocery delivery, streaming services, gas stations, and EV charging stations, and 1 point per dollar on other eligible purchases.

You can earn 20,000 bonus points after spending $1,000 within the first three months 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, Sound Dollar estimates 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 an introductory 0% APR on purchases and balance transfers for the first 12 months. You will need to complete balance transfers within 60 days of account opening to qualify. After the introductory period, the APR will be a variable rate between 19.24% and 28.24%, depending on your creditworthiness and other factors.

U.S. Bank Altitude Go benefits and perks

  • Robust points program: The US Bank Altitude Go Card offers an impressive 4 points per dollar at restaurants and a respectable 2 points per dollar at grocery stores and gas stations. 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 Card, 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, which offers the same generous rewards program as the regular Altitude Go—but requires a security deposit of at least $300.


Alternate rewards credit cards 

U.S. Bank Altitude Go vs. Chase Freedom Flex

The Chase Freedom Flex allows you to earn 5% cash back in quarterly bonus categories such as supermarkets and gas stations—up to $1,500 in combined purchases each quarter you activate. Plus, you earn 5% cash back on travel booked through Chase, 3% on dining, takeout, and delivery, 3% at drugstores, and 1% on everything else. There is a $200 welcome bonus when you spend $500 in the first 3 months and a special 5% cash-back rate at grocery stores on up to $12,000 spent in the first year. 

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 earns 4 Membership Rewards points per dollar spent on dining. The Amex Gold Card also earns 4 points per dollar on U.S. supermarket spending on up to $25,000 spent per year, then 1 point per dollar. Although it carries an annual fee of $250, this card offers more for travelers, earning 3 points per dollar when you book flights directly with airlines or through American Express Travel and signature perks at properties in The Hotel Collection. 

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

U.S. Bank Altitude Go vs. JetBlue Plus Card

The JetBlue Plus credit card is an excellent option for travelers who fly on JetBlue at least once a year. You earn 6 TrueBlue points per dollar spent on JetBlue purchases, 2 points per dollar at restaurants and grocery stores, and 1 point per dollar 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.

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

Annual feeNone
Rewards4 points per dollar on dining, takeout and restaurant delivery, 2 points per dollar on supermarkets, grocery delivery, streaming services, gas stations and EV charging stations, 1 point per dollar on everything else
APR & Intro APR0% APR on purchases and balance transfers for the first 12 months, then a variable rate of 19.24% - 28.24%
Balance transfer fee3% with a $5 minimum
Foreign transaction feesNone
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, redeem points via Real-Time Rewards

Frequently Asked Questions

What credit score do I need for the U.S. Bank Altitude Go Card?

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 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.

Is there a sign-up bonus on the U.S. Bank Altitude Go Card?
Can I combine Altitude points?
Does the U.S. Bank Altitude Go Card have a credit limit?
Does the U.S. Bank Altitude Go card have a foreign transaction fee?

About the Authors

Theresa Stevens

Theresa Stevens

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.

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Robin Saks Frankel

Robin Saks Frankel

Robin Saks Frankel is a credit cards and personal finance writer and editor for Sound Dollar. Previously, she covered credit cards and related content at other national web publications including Forbes Advisor, NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, 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.

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