U.S. Bank Altitude® Go Visa Signature®

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-27.49% variable
• Rewards: 4X on dining (up to $2,000/quarter), 2X on grocery, gas, and streaming, 1X on everything else
• Bonus: Earn 25,000 bonus points after spending $1,000 in the first 3 months
• Best For: Frequent diners who want one of the highest restaurant earning rates on a no-annual-fee card
• Credit Needed: Good to Excellent (670+)

Overview

The U.S. Bank Altitude Go is built for people who eat out frequently. It earns 4X points at restaurants, which is one of the highest dining rates available on any no-annual-fee card. The $2,000 quarterly cap on the 4X dining rate is generous enough for most cardholders, and everything beyond the cap still earns 1X. Grocery stores, gas stations, and streaming services earn 2X, and everything else earns 1X.

The 25,000-point welcome bonus after spending $1,000 in 3 months is attainable for most applicants. Combined with the 0% intro APR for 15 months on purchases and balance transfers, this card is an excellent choice for new cardholders who want to earn rewards on dining while managing finances flexibly.

The Altitude Go works well as a standalone dining card or as a complement to a broader rewards strategy. Pair it with the Altitude Reserve to unlock 1.5 cent per point travel redemptions on points earned across both cards. Even on its own, the combination of 4X dining, 2X on everyday categories, and no annual fee makes this one of the best values for restaurant-heavy spenders.

APR Breakdown

• Purchase APR: 17.49%-27.49% variable
• Balance Transfer APR: 17.49%-27.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: 0% intro APR for 15 months on purchases and balance transfers. After that, your APR will be 17.49%-27.49% variable based on creditworthiness.

Benefits Overview

Dining Rewards

• 4X points at restaurants (up to $2,000 per quarter, then 1X)
• One of the highest restaurant earn rates among no-annual-fee cards
• Covers dine-in restaurants, takeout, delivery, and fast food
• Points can be redeemed through Real-Time Rewards

Everyday Earning

• 2X points at grocery stores
• 2X points at gas stations
• 2X points on streaming services (Netflix, Spotify, Hulu, etc.)
• 1X points on all other purchases

Card Benefits

• 0% intro APR for 15 months on purchases and balance transfers
• No annual fee
• No foreign transaction fees
• Visa Signature travel and purchase protections
• No penalty APR

Rewards & Points

• 4X at restaurants (up to $2,000 per quarter)
• 2X at grocery stores, gas stations, and on streaming services
• 1X on all other purchases

Points are worth 1 cent each when redeemed through Real-Time Rewards. Pair with the Altitude Reserve card to boost redemption value to 1.5 cents per point on all Altitude-earned points. Points can also be redeemed as statement credits or cash back.

Welcome Bonus

Earn 25,000 bonus points after spending $1,000 within the first 3 months of account opening. At 1 cent per point, the bonus is worth $250. The low $1,000 spending threshold makes this one of the most accessible welcome bonuses among dining-focused cards.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: $0
• Balance Transfer Fee: 3% intro fee for first 60 days, then 5% (min $5)
• Cash Advance Fee: Either $10 or 5%, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Restaurant enthusiasts who eat out multiple times per week and want 4X on dining
• Everyday spenders who buy groceries, fill up on gas, and subscribe to streaming services
• No-fee seekers who want strong dining rewards without paying an annual fee
• Balance transfer users who need 15 months of 0% APR while earning rewards

Not Good For

• Big restaurant spenders who spend more than $2,000 per quarter dining out and hit the cap
• Travel perks seekers who want lounge access, travel insurance, or Global Entry credit
• Flat-rate fans who prefer a simple 2% on everything over category-based earning

Key Pros & Cons

Pros

• 4X on dining is among the highest restaurant rates on a no-fee card
• 2X on groceries, gas, and streaming covers key everyday categories
• No annual fee
• No foreign transaction fees
• 0% intro APR for 15 months on purchases and balance transfers
• 25,000-point welcome bonus with only $1,000 spending required
• No penalty APR provides a safety net
• Can pair with Altitude Reserve for 1.5 cent point redemptions
• Visa Signature travel and purchase protections included

Cons

• $2,000 quarterly cap on 4X dining limits earning for heavy diners
• Points worth only 1 cent each without the Altitude Reserve pairing
• No airport lounge access or premium travel benefits
• No primary rental car insurance
• 1X on non-bonus purchases is below flat-rate alternatives
• U.S. Bank has less national branch presence than larger banks
• Fewer transfer partner options than Chase or Amex ecosystems
• Welcome bonus is smaller than competing dining cards

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Annual value of approximately $426 on $18,000 in spending with no annual fee. First-year value with the welcome bonus reaches $676. Value increases significantly when paired with the Altitude Reserve for 1.5 cent redemptions.

Should You Get This Card?

You Should Get It If...

• You eat at restaurants frequently and want 4X on dining with no fee
• You spend regularly on groceries, gas, and streaming and want 2X on all three
• You want a no-annual-fee card with a solid welcome bonus
• You need a 0% intro APR for 15 months on purchases or balance transfers
• You already have or plan to get the Altitude Reserve for enhanced point value
• You want no penalty APR and no foreign transaction fees

You Should Skip It If...

• You spend more than $2,000 per quarter at restaurants and will hit the 4X cap
• You want premium travel perks like lounge access or trip insurance
• You prefer a flat-rate card with no caps or category management
• You want to transfer points to airline and hotel partners
• You want the absolute highest welcome bonus available

Apply Now

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

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.