US Bank Altitude Go Visa Signature Card

During the COVID-19 pandemic people were told to stay at home, which meant more spending on food and dining experiences. While many restaurants remained closed for the public for months, the take out options just grew. That’s when some American consumers realized their current rewards credit cards didn’t meet their needs. 

Most of them were focused on traveling and leisure, including Disney parks and even some hotels. But those were off-limits for many who were adapting to their home office experience. That’s when the U.S. Bank came up with a choice for those who decided to stay put during this time. 

The U.S. Bank Altitude Go Visa Signature is a credit card that appeals to America’s greatest love: food. It doesn’t matter if it’s take out, dining at restaurants or even home cooking, you’ll get rewards as you shop or dine. To sweeten the deal, this is an annual fee-free credit card. So even if you find something with better rewards for these categories (there are a few choices), they often have a high annual fee that could make things worse. 

Do you want to know more about the U.S. Bank Altitude Go Signature credit card? Keep reading to understand how it works, main benefits, rewards programs as well as APRs and fees. 

How does the U.S. Bank Altitude Go Signature work?

The U.S. Bank Altitude Go Signature is a rewards credit card that focuses on all types of food and dining experiences, as well as online subscription. It came around as the world changed to face the COVID-19 pandemic and more people chose to stay at home than travel around the country. 

We want to warn you before we get to the rewards: this isn’t the best rewards card out there. Some other choices will offer you better rewards or sometimes cash back, but mostly with an annual fee. That’s the main difference here that makes the U.S. Bank Altitude Go Signature is a great option for anyone that wants to have a card to use on everyday purchases. 

If you’re already a U.S. Bank client with the U.S. Bank Altitude Connect Signature card, this is an even better offer. You can combine the points from these two to get rewards faster. 

Some people also sign up considering the easy to get intro reward. Some other credit cards may even have these types of rewards, but the prerequisites for them are so complex that a user might end up missing it. 

Main advantages for using this card

One of the best parts of using the U.S. Bank Altitude Go Signature is its simplicity. All you have to do is buy and you’ll get cash back for some of the categories. Other benefits you might want to keep an eye out for are:

• No annual fee;
• 20.000 bonus points after spending $1.000 on eligible categories; 
• 0% intro APR for 12 billing cycles;
• No foreign transaction fee;
• 4 points per dollar on eligible categories; 
• Points don’t expire with time. 

There’s something else that caught our eye when looking at this credit card: it gives users a $15 annual statement credit for streaming services. That’s exactly what it sounds like: the card pays for your Netflix, Disney+ or other subscriptions you might have. 

You’ll be eligible for this statement credit after using your U.S. Bank Altitude Go Visa Signature to pay for one streaming service at least for 11 months. 

Who is the U.S. Bank Altitude Go Signature for?

Not everyone will enjoy the U.S. Bank Altitude Go Signature, especially those who are more advanced with rewards cards. However, someone who doesn’t have the habit of using these types of perks and would like to get started might find it interesting. After all, it isn’t too complex and covers most everyday purchase categories. 

Big families will also be able to get something out of this credit card. Since it covers a lot of dining options and food categories, it shouldn’t be too hard to get enough points to exchange for rewards later on. 

Also, anyone who buys food, take out or even gets their groceries delivered should find it interesting. These are unusual categories to get a spotlight on any credit card rewards services and will allow you to get points fast. 

Rewards program for the U.S. Bank Altitude Go Signature

The U.S. Bank Altitude Go Signature has a simple rewards programs that allows you to earn points as you spend. You’ll basically earn: 

• 4 points per $1 spent on food, delivery, take out and other dining related purchases;
• 2 points per $1 spent on gas stations, grocery delivery services, streaming services;
• 1 point per $1 spent on all other categories. 

This means that, in the end, you’ll get points in anything you use the credit card for. But it’s better if you focus on food to make the most of those 4 points per dollar. 

Redeeming rewards

The points you earn as you spend with the U.S. Bank Altitude Go Signature don’t expire. Which is good, since you must have at least 2.500 points to be able to redeem them for rewards. 

This can happen in the following ways: 

• Cash back or statement credit that you can deposit in qualifying U.S. Bank accounts;
• Merchandise, travel and gift cards in the U.S. Bank rewards center. 

When you decide to redeem your points using the U.S. Bank rewards center you don’t have to wait so long to get points. The redeeming options start at 1.000 points and only get better after that. 

U.S. Bank Altitude Go Signature APRs and fees

The U.S. Bank Altitude Go Signature has another interesting feature: very few fees for you to worry about. Check all of them below: 

• 15,74%-24,74% variable APR after intro period;
• $0 annual fee;
• $0 foreign transaction fee;
• 3% or $5 balance transfer fee;
• 5% or $10 cash advance fee. 

You can apply for this credit card easily using the U.S. Bank website.

Conclusion

In conclusion, the U.S. Bank Altitude Go Visa Signature Credit Card is a compelling option for those who want to maximize rewards on everyday spending, especially in food and dining categories, without paying an annual fee. Its key features include generous rewards on dining, takeout, delivery, and streaming services, along with a 0% intro APR for the first 12 billing cycles. Additionally, the $15 annual streaming credit and lack of foreign transaction fees further enhance its appeal.

While it may not offer the highest rewards for all spending categories compared to other premium cards, its straightforward rewards structure and fee-free benefits make it a practical choice for individuals and families who prioritize everyday expenses and enjoy a range of dining and entertainment options.