U.S. Bank Altitude Go Visa Signature Card
- Annual Fee
- $0
- Altitude Points · Welcome Bonus
- 20,000
- Top Rate
- 4X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- U.S. Bank Altitude points
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Good to Excellent
Welcome Offer
20,000
Altitude Points
$1,000
Spend Required
3 months
Time Period
Earning Rates
- 4X
Dining
4X points on dining, takeout, and restaurant delivery
Cap: $2,000/quarterly
- 2X
Grocery Stores
2X points at grocery stores (excludes discount stores/supercenters/wholesale clubs)
- 2X
Gas Stations
2X points at gas stations and EV charging stations (excludes discount stores/supercenters/wholesale clubs)
- 2X
Electric Vehicle Charging
2X points at gas stations and EV charging stations (excludes discount stores/supercenters/wholesale clubs) (EV charging row: same tier as gas, per the issuer's wording)
- 2X
Streaming
2X points on streaming services
- 1X
All Other
1X point on all other eligible purchases
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$15
in recurring credits (annual)
$15 streaming credit
Automatic $15 annual credit after 11 consecutive months of streaming purchases
$15
Annual
Dining Out
4x at restaurants
U.S. Bank Altitude Rewards · On up to $2,000 a quarter in dining, then the base rate
≈$4 in value on a $100 dinner, at our valuation of 1¢ per point
No annual fee
Explore 53,025 restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 4x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
U.S. Bank Altitude Rewards
Rewards when you want them
U.S. Bank Altitude Rewards is the points program of the Altitude card family. Most cardmembers redeem Altitude Points at a fixed 1 cent each; U.S. Bank's cardholder pages now list point transfers to airline and hotel loyalty programs as a new Altitude Reserve benefit, with the partner list shown after sign-in. The program's standout feature is Real-Time Rewards, which allows cardmembers to instantly redeem points via text message for qualifying purchases. After making a purchase, you receive a text offering to redeem points; simply reply "REDEEM" to apply points as a statement credit. Following significant changes in December 2025, the Altitude Reserve card (no longer open to new applicants) saw its travel redemption value drop from 1.5 cents to 1.0 cent per point, aligning with other redemption methods. The transfer partners promised then are now live for Altitude Reserve cardmembers.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Charity donation with 100% match (effectively 2cpp) | 1,000 | — | — |
| Real-Time Rewards on travel purchases (1cpp instant) | 1,000 | — | — |
| Altitude Connect 5x on prepaid portal hotel bookings | 5,000 | — | — |
| Altitude Reserve 10x on prepaid portal hotels | 10,000 | — | — |
| Deposit to U.S. Bank checking/savings account (1cpp) | 2,500 | — | — |
| Gift cards at 1cpp (Amazon, Best Buy, Saks, Macy's) | 2,500 | — | — |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #99 of 119 |
Pros and Cons
Pros
- +4X points on dining up to $2,000 per quarter
- +2X points on groceries, gas/EV charging, and streaming
- +No annual fee
- +20,000 point welcome bonus
- +0% intro APR for 15 months
- +$15 annual streaming credit after 11 months of streaming purchases
- +Real-Time Rewards for instant redemption
Cons
- -3% foreign transaction fee
- -$2,000 quarterly cap on 4X dining rewards
- -Grocery/gas bonus excludes big-box stores and warehouse clubs
- -Points expire after 12 months of no activity
Who It's Best For
Best For
- Foodies and frequent diners
- Families with significant grocery and streaming expenses
- Commuters who spend on gas or EV charging
- Those who want solid rewards without an annual fee
Not Ideal For
- International travelers (3% foreign transaction fee)
- Those who don't spend much on dining
- People looking for travel-specific perks
- Spenders who exceed $2,000 quarterly on dining
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$9
Annual Fee
-$0
Net Annual Value
+$9
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| One Altitude Go bonus per 5 years | Existing or previous U.S. Bank Altitude Go Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years. |
Payment Terms
| Purchase APR | 17.74%–27.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | 3% |
Card Family
Altitude family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Usbank Altitude Connect | mid | $0 |
FAQs
Can I transfer U.S. Bank Altitude points to airline or hotel partners?
No. As of February 2026, U.S. Bank has no transfer partners despite announcing them in August 2025 for a December 2025 launch. Altitude Points remain a closed-loop, fixed-value currency.
Do U.S. Bank Altitude points expire?
Points expire after 12 consecutive billing cycles (approximately 12 months) without any earning, redeeming, or balance activity on your account. Make at least one purchase per year on each Altitude card to keep points alive.
Can I combine Altitude points across multiple cards?
You can transfer up to 20,000 points per year between Altitude Go and Altitude Connect accounts through the Rewards Center. Altitude Reserve holders can make a one-time transfer to another qualifying Reserve account. Full household pooling is not available.
Is the Altitude Reserve still available to new applicants?
No. U.S. Bank closed the Altitude Reserve to new applications in November 2024. Existing cardholders can keep and use the card. There is no confirmed date for reopening.
What is Real-Time Rewards and how do I activate it?
Real-Time Rewards lets you instantly redeem points for qualifying purchases via text message. You must activate it in your online account under My Rewards → Card Benefits → Real-Time Rewards. Choose eligible categories and reply "REDEEM" when you receive a text after a qualifying purchase.
What is the best way to redeem Altitude points?
For maximum value, donate to charity through the Rewards Center — U.S. Bank matches 100%, effectively doubling your points to 2cpp. For personal use, Real-Time Rewards and deposits to U.S. Bank accounts both provide 1cpp. Avoid merchandise redemptions (0.5-0.8cpp).
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| U.S. Bank Official | — | U.S. Bank Official |
| U.S. Bank Official | — | U.S. Bank Official |
| U.S. Bank Official | U.S. Bank Official | |
| U.S. Bank Official | U.S. Bank Official |
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
