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The U.S. Bank Altitude® Go Visa Signature® Card is highly rewarding to new and existing users.
Cardholders can earn 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases . Also, new cardholders can get a nice sign up bonus of 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
These points have no expiration date and can be redeemed anytime as long as the account stays open. When you have up to 2,500 points, you can redeem them as statement credits or ask them to be deposited into your account.
There is a 0% introductory APR for 12 billing cycles on purchases and balance transfers, then 19.49% to 28.49% (Variable). Lastly, cardholders do not have to worry about annual fees or charges for shopping from international merchants because both are fixed at zero dollars.
Rewards Plan
Sign up Bonus
0% Intro
PROS
- 0% Intro APR
- Exciting Rewards
CONS
- High Requirements
- High APR
APR
19.49% to 28.49% (Variable)
Annual Fee
$0
Balance Transfer Fee
3%
Credit Requirements
Good - Excellent
Card & Issuer Reputation
786/1000 on J.D Power: US Bank got 786 out of 1000 available points on J.D. Power credit card satisfaction survey, lower than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.
Advantages
Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.
- 0% Intro
Purchases and balance transfers enjoy a zero percent rate on transactions during the first twelve billing cycles; however, balance transfers enjoy this rate for a maximum of sixty days. Then, the APR will be 19.49% to 28.49% (Variable).
The zero-percent intro APR is a significant selling point because it helps first-timers get accustomed to using the card before they start to pay the standard rate.
- Security
U.S. Bank Go Visa Card provides maximum security for its users with high-quality protecting tools to keep customers' private and financial information away from fraudsters.
The card allows you to lock and unlock your account anytime the need arises as a protective measure against theft or fraud. When your account is locked, no transactions will be permitted until it is unlocked.
- No Expiration Date
The points do not expire and may be redeemed any time within the account's opening period. Also, you must have up to 2,500 points or more before you can redeem them.
- Exciting Rewards
New clients have a chance to win 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening while existing clients enjoy 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases .
These points are not subject to expiration and can be redeemed as statement credits or cashbacks deposited into your account. The cashback rate is one point percent.
- Mobile App
The mobile application for your U.S. Bank Go Visa Card is for convenience because you do not have to go to your bank or a pos machine before making transactions.
In case your card gets stolen or misplaced, you can lock your account from the application to prevent unauthorized transactions.
Disadvantages
Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.
- High Credit Needed
Low or average credit does not qualify to use the U.S. Bank Go Visa Card because of the minimum requirement of 720, which is high compared to other credit cards.
Customers are selected based on creditworthiness, and the requirement is significantly above the average credit score of 600 to 699. The U.S. Go Visa Card is reserved for the best of the best because it takes a lot of financial discipline to maintain a minimum credit of 720.
- High APR
There is a standard variable APR of 19.49% to 28.49% (Variable), which is fair on the minimum side but high on the maximum rate.
Your variable APR may fall into any percent within the bracket depending on your creditworthiness, which means that clients with the lower credit will be charged more than those with the highest scores.
Rewards Simulation: How Much You Can Earn?
The best way to see if the Altitude card is the right choice for your needs, is to calculate the amount of rewards and benefits you suppose to earn.
Keep in mind that this is a general breakdown of expenses, so make sure to adjust it to your own consumer preferences and spending habits.
| |
|---|---|
Spend Per Category | Altitude® Go Visa Signature |
$15,000 – U.S Supermarkets | 30,000 points |
$3,000 – Restaurants
| 12,000 points |
$6,000 – Rotating Categories | 6,000 points |
$3,000 – Hotels | 3,000 points |
$4,000 – Gas | 8,000 points |
Total Points | $59,000 points |
Estimated Annual Value | ~ $885 |
Where to Redeem Your Rewards?
U.S Bank Altitude cardholders earn 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases .
With this card, you have several redemption options. The Real Time Mobile Rewards feature, which you can enable on your account, is one of the most adaptable.
When you make a qualifying purchase, you'll receive an SMS message asking if you want to redeem points for it. This is an excellent way to shop for the best deal while also putting your rewards to good use.
You can, however, use the US Bank Travel Portal to redeem your points for air travel, hotels, and car rentals. Finally, you have the option of receiving a statement credit or redeeming the points for cash into your US Bank account.
How to Leverage Rewards Smartly?
Because this card is simple, there aren't many ways to maximize your rewards. Dining, restaurant delivery, or takeout will earn you the highest reward rates, so this should be your primary spending category.
Another thing you should do is charge your annual streaming services to your card. You'll not only get two points for every dollar spent, but you'll also get a $15 credit.
However, in order to qualify for the introductory bonus, you must spend at least $1,000 in the first three month
How To Apply For U.S. Bank Altitude Go Visa Signature Card?
- 1.
Visit the website at usbank.com and click the blue button that reads “Apply Now.”
- 2.
Fill in your nomenclature: first name, middle name, and suffix.“Continue” to proceed.
- 3.
Now, fill in your date of birth, social security number, and country of citizenship. Click “Continue” to advance to the next step.
- 4.
Fill in your home address: street, suite, city, state, and zip code. Click “Continue” to proceed.
- 5.
Now, provide your housing details: housing status and monthly fees. Click “Continue” to proceed.
- 6.
Fill in your employment status and annual income, then click “Continue” to move on to the next step.
- 7.
Fill in your preferred total transfer balance amount. Click “Continue” to proceed.
- 8.
You will see a page to review all the details you’ve provided. Check for mistakes, make the necessary corrections, and then tap “Continue” to proceed with your application.
- 9.
Now, read the terms and conditions for using U.S. Bank Altitude ® Go Visa Signature Card, then click on “Submit Application” if you accept these terms.
- 10.
A notice will appear on your screen asking you to check your email or phone for a message confirming your application. Now, you wait for the bank to review your application.
Is the U.S. Bank Altitude Go Right for You?
U.S. Bank Altitude ® Go Visa Signature Card is suitable for customers who prefer eating out than home-cooked meals. You earn points when you pay with your card at restaurants, cafes, take-outs, and for home deliveries, together with shopping for groceries at the supermarket and buying gas. It is also ideal for users that love to stream on partner platforms like Spotify, Netflix, Hulu, and Apple music.
Customers who look out for sign-up rewards will be happy to win the introductory bonus of 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. All points are non-expiring and can be redeemed as cash backs, gift cards, or cash deposits into your credit card account.
Compare The Alternatives
There are other credit cards that do offer comparable cash back rewards – we’ve summarized the most popular cards which can use as an alternative to the Altitude Go card:
|
|
| |
|---|---|---|---|
Capital One Savor card | Chase Freedom Unlimited® card | Citi Simplicity® Card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
1% – 3%
earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases.
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
None
None
|
Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
|
Up to $300
additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
|
None
None
|
Foreign Transaction Fee | None
| 3%
| 3%
|
Purchase APR | 19.24% – 29.24% variable
| 19.49% – 28.24% variable
| 18.74% – 29.49% (Variable)
|
FAQ
The U.S Bank Altitude Go has no points limits, so you can accumulate any number of points per month.
However, the Altitude Go does have points, which are typically worth about 1.5 cents each. This means that 10,000 points could be worth about $150 depending on your redemption method.
The starting credit limit of the Altitude Go card can be as low as $1,000, but it is typically between $1,000 and $1,500 depending on a number of factors including your credit history, income and existing debt.
Considering that it has no annual fee, this card offer some decent rewards. If you’re looking for an everyday card without needing to worry about hefty annual fees, it's worthy of serious consideration.
U.S Bank does have pre approval but it is only for offers via email or mail. Additionally, if you’re an existing customer, you may receive a pre approved offer through your online account.
There is no online tool for interested potential customers to use to check pre approval status. When you complete the online application form, it is a complete application and this will involve a hard credit pull.
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