Reviews

U.S. Bank Altitude Go Review: Dine, Stream, and Earn Without Fees

Earn big on dining & streaming with no annual fee on Altitude Go.

Rickie C. Keys, Ph.D., MPH

Mar 23, 2024 — 1 min read

Features

Annual Fee: $0, making it cost-effective for all users.
APR: 0% intro APR for 12 billing cycles on purchases and balance transfers, then 18.24%-29.24% Variable APR.
Rewards: Earn 4X points on dining, 2X on streaming services, groceries, gas stations, and EV charging.
Sign-Up Bonus: Earn 20,000 bonus points after $1,000 in purchases within 90 days, equaling $200 value.

Benefits

Dining Rewards: Unmatched 4X points on dining, including takeout and delivery.
Streaming Service Credit: $15 credit for annual streaming subscriptions like Netflix or Spotify.
Intro APR Period: Offers financial flexibility with a 0% intro APR on purchases and balance transfers.
No Foreign Transaction Fees: Ideal for international use without extra charges.
Streamlined Redemptions: Points can be redeemed for cash back, travel, gift cards, and more.

Drawbacks

No Entertainment Rewards: Misses out on bonus rewards for entertainment expenses, a potential downside for those enjoying frequent nights out.
Better Grocery Rewards Elsewhere: While decent, the 2X rate at grocery stores is surpassed by other cards, particularly for those who prioritize home cooking over dining out.
Simple Points System: Points cannot be pooled or maximized for higher value, limiting potential rewards efficiency compared to more flexible rewards programs.

Product Summary

The U.S. Bank Altitude Go Visa Signature Card is a premier choice for those who enjoy dining out and streaming media without wanting to incur an annual fee. This card rewards your lifestyle choices with high reward rates in popular categories and supports your financial management with an introductory APR offer and no foreign transaction fees. Its sign-up bonus offers immediate value, making it an attractive option for new users. While it may lack the flexibility in redemption options found in other rewards programs, its straightforward reward structure and bonus categories make it a standout choice for everyday spending, particularly for food enthusiasts and streaming service subscribers. The added benefits, like the annual streaming service credit, further enhance its value, positioning the U.S. Bank Altitude Go as a strong contender in the no-annual-fee card market.

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