U.S. Bank Altitude® Go Visa Signature® Card
Altitude Go is for people whose biggest everyday category is food. You earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter, and 2X at grocery stores, gas and EV charging stations, and on streaming. There is no annual fee. The caveat: the 4X rate is now capped each quarter, then dining earns 1X.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4X points on dining, takeout and restaurant delivery, the highest no-fee dining rate at a major bank
- 20,000 bonus points after $1,000 in net purchases in the first 90 days
- $15 annual streaming credit after 11 consecutive months of streaming purchases
- 0% intro APR on purchases and balance transfers for the first 15 billing cycles
- No annual fee
- 2X on groceries, gas, EV charging and streaming
- Annual fee: $0
- Purchase APR: 0% intro for the first 15 billing cycles, then 17.49% - 27.49% Variable
- Balance transfer APR: 0% intro for the first 15 billing cycles on transfers made within 60 days of account opening, then 17.49% - 27.49% Variable
- Balance transfer fee: 5% of each transfer amount, $5 minimum
- Cash advance APR and fee: see the issuer's pricing and terms
- Late payment fee: see the issuer's pricing and terms
- Foreign transaction fee: 3% of each foreign transaction
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You spend a meaningful share of your budget on restaurants, takeout and delivery
- You want a dining card with no annual fee to justify
- Your dining spend stays near or under $2,000 a quarter, so the cap barely touches you
- You can use the $15 streaming credit to offset a subscription
- You should skip it if you dine out far above $2,000 a quarter or travel abroad often, the cap and the foreign transaction fee work against you
U.S. Bank Altitude® Go Visa Signature® Card Review
Altitude Go pays its highest rate where most households actually spend: restaurants, takeout and delivery. This review covers the new quarterly cap on 4X dining, the supporting 2X categories, and who should apply.
How You Earn
Earning centers on food. The 4X dining rate now applies to your first $2,000 in combined eligible dining purchases each quarter, then drops to 1X.
- Grocery and gas categories exclude discount stores, supercenters and wholesale clubs
- Streaming earns 2X and also feeds the $15 annual streaming credit
| Category | Earn rate |
|---|---|
| Dining, takeout, restaurant delivery | 4X on first $2,000 per quarter, then 1X |
| Grocery stores and grocery delivery | 2X |
| Gas stations and EV charging stations | 2X |
| Streaming services | 2X |
| All other eligible purchases | 1X |
How You Redeem
Points redeem for cash back, travel, merchandise and gift cards through U.S. Bank's rewards center, with cash-equivalent value on statement credits.
- Redemption options and values are set by U.S. Bank's rewards program terms
- Points do not expire while the account stays active per the issuer's program rules
Benefits and Protections
The card carries Visa Signature protections and U.S. Bank's standard security features.
- $15 credit for annual streaming purchases after 11 consecutive months
- Zero fraud liability for unauthorized transactions
- Contactless chip payments
Who This Card Is For
This card fits households that cook less and order more, and students of value who want a strong first rewards card without a fee. Heavy travelers should look at a card without a foreign transaction fee.
- Best for food-first spenders under the quarterly cap
- Weak fit for frequent international travelers
- Pairs well with a flat-rate or travel card
Comparison
| Feature | U.S. Bank Altitude Go | Discover it Cash Back | Citi Strata Premier |
|---|---|---|---|
| Annual Fee | $0 | $0 | $95 |
| Welcome Offer | 20,000 points after $1,000 in 90 days | Cashback Match, first year | 60,000 points after $4,000 in 3 months |
| Rewards Rate | 4X dining, capped quarterly | 5% rotating, capped quarterly | 3X dining, groceries, gas, travel |
| Intro APR | 0% for 15 billing cycles | 0% for 15 months | N/A |
| Foreign Transaction Fee | 3% | None | None |
| Best For | Dining on a no-fee card | Rotating category cash back | Broad 3X earning |
Issuer Comparison
| Feature | U.S. Bank Altitude Go | U.S. Bank Cash+ | U.S. Bank Altitude Connect |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | 20,000 points after $1,000 in 90 days | $200 after $1,000 in 90 days | 20,000 points after $1,000 in 90 days |
| Rewards Rate | 4X dining, capped quarterly | 5% chosen categories, capped | 4X travel, 5X prepaid hotels and cars |
| Key Credits | $15 streaming credit | None | TSA PreCheck or Global Entry credit |
| Best For | Dining and streaming | Category cash back | Travel and gas |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.