Earn 20,000 Points and 4x on Dining


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Common APR

14.99% – 23.99% Variable

Credit score Rating

Good to Glorious

Featured Reward

20,000 bonus factors after spending $1,000 within the first 90 days of account opening

Intro APR

0% intro APR on purchases and steadiness transfers for the primary 12 billing cycles

Chevron icon It signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars

  • Professionals
    • Nice incomes charge on eating (4x factors = 4% again)
    • Good welcome bonus for a no-annual-fee card
    • Annual streaming credit score
    Cons
    • No airline or lodge switch companions
    • Few advantages in comparison with different rewards bank cards
    • Earn 20,000 bonus factors while you spend $1,000 in eligible purchases throughout the first 90 days of account opening. That is a $200 worth redeemable in direction of merchandise, reward playing cards, money again, journey and extra
    • Earn 4X factors on takeout, meals supply and eating
    • Earn 2X factors at grocery shops, grocery supply, fuel stations and on streaming companies
    • $15 credit score for annual streaming service purchases corresponding to Netflix and Spotify
    • No annual charge*
    • 1X level per $1 on all different eligible purchases
    • Low Introductory APR on purchases and steadiness transfers
    • Factors by no means expire

    Evaluate: Is the US Financial institution Altitude Go the most effective bank card for you?

    There are a number of playing cards that’ll enchantment to most spenders by providing further factors in bonus classes, like eating and grocery retailer purchases. Whereas the best premium cards have annual charges, the U.S. Bank Altitude® Go Visa Signature® Card presents rewards in well-rounded bonus classes — particularly consuming out — with no annual fee and no overseas transaction charges. 

    The Altitude® Go Visa Signature® Card earns 4x factors on eating, takeout, and restaurant supply, 2x factors at grocery shops, grocery supply, fuel stations, and streaming companies, and 1x level on all different purchases.

    Learn extra: Guide to the best credit cards for dining

    It additionally comes with a $15 annual streaming bonus for eligible companies like


    Netflix

    , Apple TV+, Spotify, and others.

    You will earn a welcome bonus of 20,000 bonus factors after spending $1,000 within the first 90 days of account opening (price $200 towards merchandise, reward playing cards, money again, and extra). That is an honest bonus for a card with no annual charge, particularly in the event you’ll reap the benefits of the bonus classes or wish to use the cardboard’s different perks, such because the $15 annual streaming credit score and no overseas transaction charges.

    Let’s take a more in-depth have a look at this card.  

    Who ought to and should not think about the US Financial institution Altitude Go card

    The Altitude® Go Visa Signature® Card earns factors which can be straightforward to redeem for rewards and are price 1 cent every regardless of the way you redeem them. Whereas different playing cards have redemption choices of various worth, you may all the time know what you are getting with the Altitude® Go Visa Signature® Card

    Due to that, it is primarily a cash-back card that gives a couple of further reward choices. Contemplating there is no annual charge, the reward classes are robust and straightforward to make use of in the event you eat out typically to earn 4x factors (4% money again), and incomes 2x factors (2% money again) for grocery, fuel station, and streaming purchases can also be a pleasant bonus. This card is most rewarding for foodies who like to spend so much to eat out or order in. 

    The $15 steaming credit score additionally provides to the cardboard’s worth, significantly since you’ll earn 2x factors for these purchases along with the annual credit score. It is not loads, however you may principally get a month free (or principally free) annually with the cardboard.  

    Learn extra: Guide to the best credit cards for streaming services

    The Altitude® Go Visa Signature® Card is not essentially the most rewarding card in any particular class, however presents well-rounded rewards amongst a number of bonus classes. That stated, the most effective class is eating and incomes 4x factors with a no-annual-fee card represents glorious worth in the event you’ll use the cardboard for that spending. And whereas it is doable to earn outsized rewards with transferable points cards, a number of of us don’t desire the trouble or complexity. 

    The Altitude® Go Visa Signature® Card is greatest in the event you’re searching for a single bank card that rewards your commonest purchases and you do not wish to pay an annual charge. When you do not spend loads on eating, there are different playing cards that can higher reward your regular spending habits.  

    Comparability: US Financial institution Altitude Go vs different US financial institution playing cards

    US Financial institution Altitude Go vs different rewards bank cards

    Learn how to earn rewards from the US Financial institution Altitude Go card

    With the Altitude® Go Visa Signature® Card, you may earn: 

    • 4 factors per greenback spent on eating, takeout, and restaurant supply
    • 2 factors per greenback at grocery shops and fuel stations, and on grocery supply and eligible streaming companies 
    • 1 level per greenback on all different eligible purchases 

    The factors you earn by no means expire so long as your card is open, and there are not any limits to what number of factors you’ll be able to earn. 

    It is necessary to notice that solely sure streaming companies are eligible to earn 2x factors and the $15 annual streaming bonus. The present record of eligible retailers consists of Apple Music, Apple TV+, AT&T TV NOW, Discovery+, Disney+, ESPN+, Fubo TV, Google Music,


    HBO Max

    ,


    Hulu

    , Netflix, Paramount+, Peacock, SiriusXM, Slacker Radio, Sling TV, Spotify, Tidal, Vudu, and YouTube Music. 

    Learn how to use factors

    The factors you may earn with the Altitude® Go Visa Signature® Card are price 1 cent every no matter the way you redeem them, so select the reward you want greatest.

    You possibly can redeem your factors towards journey, merchandise, reward playing cards, money again, or assertion credit by means of the cardboard’s on-line rewards portal. There is a minimal redemption quantity of two,500 factors ($25) in the event you’re redeeming for money again or reward playing cards and 1,000 factors ($10) for journey or merchandise.

    Learn extra: Guide to the best cash-back credit cards

    It’s also possible to arrange Actual-Time Rewards and use your factors immediately to cowl a purchase order you are making along with your card by way of your cellular system. It is a handy function that lets you use your factors inside seconds of constructing an eligible buy.   

    With Actual-Time Rewards, you’ll be able to redeem your factors as you earn them as an alternative of feeling like it’s essential save them for a giant reward sooner or later. When you can definitely nonetheless do this, it is also straightforward to earn factors and redeem them for normal rewards on on a regular basis purchases as you go alongside. 

    Advantages and options

    The principle advantage of the Altitude® Go Visa Signature® Card is the bonus classes provided, however there are a couple of different advantages price mentioning. 

    $15 annual streaming bonus 

    While you use the Altitude® Go Visa Signature® Card to pay for eligible streaming companies for 11 consecutive calendar months, you may obtain an automated $15 credit score annually. The eligible streaming companies for the credit score are the identical as people who qualify to earn 2x factors.

    0% introductory APR provide

    New Altitude® Go Visa Signature® Card cardholders obtain an introductory 0% APR on purchases and steadiness transfers for the primary 12 months, adopted by a 14.99% – 23.99% Variable APR.

    Learn extra: The best low interest and 0% APR credit cards

    That is helpful when you have giant purchases arising you wish to pay for over time, or if you wish to consolidate high-interest debt from a different credit card. Simply ensure you may have a plan to pay off your balance earlier than the introductory 0% APR period expires.

    Roadside dispatch

    Altitude® Go Visa Signature® Card cardholders have entry to a 24/7 roadside dispatch hotline which will help organize companies like towing, jumpstarting, or winching. The dispatch service itself is complimentary, however you may be charged a set charge for any companies supplied.

    Journey and emergency help companies

    When you’re touring and encounter some bother, you’ll be able to name a journey and emergency help hotline that may assist organize issues like authorized and medical referrals, prescriptions, translation companies, finding misplaced baggage, and extra. This service can also be free, however any third-party prices are your accountability.

    Entry to the Rewards Heart Earn Mall

    While you store on-line and pay along with your Altitude® Go Visa Signature® Card at over 1,100 shops, you’ll be able to earn extra factors by means of the Rewards Heart Earn Mall. You possibly can entry the portal by means of on-line banking. 

    Learn extra: Online shopping portals are an effortless way to earn bonus cash back and travel rewards — here’s how they work

    Visa Signature advantages

    As a result of the Altitude® Go Visa Signature® Card is a Visa Signature card, cardholders can entry further advantages, together with: 

    • Visa Signature Concierge
    • Visa Signature Luxurious Resort Assortment 
    • Visa Signature Golf Profit by Troon 
    • Automotive rental reductions
    • Prolonged guarantee safety

    Actual-Time Rewards

    US Financial institution is exclusive in which you could immediately redeem your factors by way of textual content for eligible purchases. To take action, you may have to enroll first.

    Then, you may obtain a textual content while you make a purchase order asking if you wish to immediately redeem your factors. Merely reply with “REDEEM” to finish the redemption. Factors will immediately be deducted out of your steadiness. 

    Common APR

    14.99% – 23.99% Variable

    Credit score Rating

    Good to Glorious

    Featured Reward

    20,000 bonus factors after spending $1,000 within the first 90 days of account opening

    Intro APR

    0% intro APR on purchases and steadiness transfers for the primary 12 billing cycles

    Chevron icon It signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars

  • Professionals
    • Nice incomes charge on eating (4x factors = 4% again)
    • Good welcome bonus for a no-annual-fee card
    • Annual streaming credit score
    Cons
    • No airline or lodge switch companions
    • Few advantages in comparison with different rewards bank cards
    • Earn 20,000 bonus factors while you spend $1,000 in eligible purchases throughout the first 90 days of account opening. That is a $200 worth redeemable in direction of merchandise, reward playing cards, money again, journey and extra
    • Earn 4X factors on takeout, meals supply and eating
    • Earn 2X factors at grocery shops, grocery supply, fuel stations and on streaming companies
    • $15 credit score for annual streaming service purchases corresponding to Netflix and Spotify
    • No annual charge*
    • 1X level per $1 on all different eligible purchases
    • Low Introductory APR on purchases and steadiness transfers
    • Factors by no means expire

    Charges and prices

    The Altitude® Go Visa Signature® Card does not have an annual charge or overseas transaction charges, so there is no price to hold the cardboard or use it abroad.    

    Learn extra: Guide to the best credit cards with no foreign transaction fees

    Like most different playing cards, there are charges for balance transfers, money advances, and late or returned funds.

    Featured bank cards from our companions

    Featured Reward

    60,000 factors

    Credit score Wanted

    Good to Glorious

    Featured Reward

    3 free nights (every valued as much as 50,000 factors) after qualifying purchases and 10x whole factors on eligible purchases in choose classes

    Credit score Wanted

    Good to Glorious

    Featured Reward

    $200 after spending $500 on purchases within the first three months from account opening

    Credit score Wanted

    Good to Glorious



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