usbank altitude go Credit Card: A Complete Guide to Earning Rewards

The US Bank Altitude Go Credit Card is a great option for those who want to earn rewards on their everyday purchases. You can earn 3X points in your top dining category, which can be redeemed for cash back or travel.

With the US Bank Altitude Go Credit Card, you can earn points on a wide range of purchases, from dining to groceries to gas stations. This means you can earn points on your daily expenses, not just special occasions.

To maximize your rewards earnings, make sure to use your card for all your everyday purchases, from coffee to groceries. This will help you earn points quickly and efficiently.

The US Bank Altitude Go Credit Card also offers a $200 statement credit after spending $500 in the first 120 days, which can help offset the cost of the card.

For another approach, see: Usbank Reward

The U.S. Bank Altitude Go Card has some great features that make it a solid choice for the right person. One of its biggest advantages is that it comes with no annual fee, giving you unlimited rewards and yearly value no matter how much you spend.

The card earns a generous 4 points per $1 on dining, takeout, and restaurant delivery purchases, which can add up quickly if you use it for everyday expenses. You can also use points to redeem and pay for travel, even if you don't have enough for a free trip.

Here are some of the key pros and cons of the U.S. Bank Altitude Go Card:

The U.S. Bank Altitude Go Card is a great option for those looking for a rewards card with no annual fee. This means you can earn unlimited rewards and enjoy yearly value without spending a dime.

One of the standout features of this card is its generous rewards earning rate. You'll earn 4 points per $1 on dining, takeout, and restaurant delivery purchases, which is a great perk for foodies.

You can also use points to redeem and pay for travel, even if you don't have enough for a free trip. This flexibility is a big plus for travelers who want to make the most of their rewards.

Another benefit of this card is its introductory APR period, which offers a decent interest rate on new purchases and balance transfers. This can be a big help for those who need to finance a big purchase or transfer some debt.

Here are some key benefits of the U.S. Bank Altitude Go Card:

The U.S. Bank Altitude Go card has a relatively standard fee structure, but there are a few things to keep in mind.

The annual fee is a notable exception, as it doesn't have one. This is a great perk for those who want to avoid paying an annual fee.

The APR is variable, ranging from 17.49% to 28.49% after the introductory period. This means your interest rate could change over time.

You'll also be charged a foreign transaction fee of 3% on international purchases.

If you need to transfer a balance from another card, you'll be charged a fee of 3% of the amount transferred or $5 minimum, whichever is greater.

Lastly, be aware that late payments can incur a fee of up to $41.

The U.S. Bank Altitude Go card's rewards program is designed to help you earn points on your everyday purchases. You'll earn 4 points per $1 spent on dining, including takeout and delivery, up to $2,000 per quarter.

You can also earn 2 points per $1 spent on groceries, gas stations, EV charging, and streaming services. All other purchases will earn you 1 point per $1 spent. This makes the U.S. Bank Altitude Go card a great option for those who frequently dine out or spend money on groceries and gas.

To redeem your points, you can choose to apply them as a statement credit or deposit them into your U.S. Bank savings or checking account. The redemption value is 1 cent per point, with a minimum redemption requirement of 2,500 points ($25) for the Altitude Go card and Altitude Connect card.

Here are the redemption options for the U.S. Bank Altitude Go card:

Keep in mind that redeeming points as a statement credit will not count towards your minimum monthly payment, but it will show up in your account within two to three business days.

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Getting cash back is one of the most straightforward ways to redeem rewards points. You can choose to apply your cash back as a statement credit toward your monthly bill at a rate of 1 cent per point.

There are two ways to get cash back: statement credit to your credit card account or a deposit made to your U.S. Bank savings or checking account. If you have transactions you want to redeem points for, use the statement credit option.

You can redeem your points for cash back with a minimum redemption requirement of 2,500 points (or $25) if you have the Altitude Connect card or the Altitude Go card.

You can choose to apply your cash back as a statement credit toward your monthly bill at a rate of 1 cent per point, or deposit it into your U.S. Bank savings or checking account if you have one.

Redeeming for cash back is usually the best option, especially if you have the Altitude Reserve card, as it offers the maximum value of 1 cent per point.

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The U.S. Bank Altitude Go card offers a generous rewards program, especially for dining enthusiasts. You can earn 4X points on dining, including takeout and delivery, capped at $2,000 per quarter starting April 14, 2025.

The card also offers 2X points on groceries, gas stations, EV charging, and streaming services, making it a solid choice for everyday spending. With the Altitude Go card, you can earn up to 32,000 points annually, equivalent to $320 in rewards, if you maximize dining spending each quarter.

One of the best redemption options for the Altitude Go card is redeeming points for cash back, which can be applied as a statement credit or deposited into your U.S. Bank savings or checking account. There is a minimum redemption requirement of 2,500 points (or $25) for the Altitude Connect card and the Altitude Go card.

You can also redeem your Altitude points for travel, but the value is limited to 1 cent per point. However, the Altitude Reserve card offers a higher redemption value of 1.5 cents per point for travel.

For your interest: Usbank Travel

The U.S. Bank Altitude Go card offers a generous rewards program that can help you earn points on your everyday purchases. You'll earn 4 points per dollar spent on dining, including takeout and delivery, up to $2,000 per quarter starting April 14, 2025.

The card also offers 2 points per dollar spent on groceries, gas stations, EV charging, and streaming services. This makes it a great option for those who frequently dine out or subscribe to streaming services.

One of the best benefits of the U.S. Bank Altitude Go card is its rewards rate, which is one of the best among cards with no annual fee. You can earn up to 32,000 points annually, equivalent to $320 in rewards, if you maximize dining spending each quarter.

The points you earn can be redeemed for various purposes, including statement credits, travel, gift cards, or merchandise. Points are worth 1 cent each and can be redeemed for cash back, travel, or gift cards with a flat 1 cent per point value.

Here are some redemption options for your U.S. Bank Altitude points:

Redeeming points for travel is a great option, as you can use them to book airfare with multiple major airlines, rooms at thousands of hotels, or rental cars. You can also shop with points and cash in the rewards portal to reduce the cost of travel purchases.

With Real-Time Rewards, you can get notified on your mobile device when you have enough points to cover your spending. Simply reply with a confirmation and your points will be immediately applied to that purchase.

The U.S. Bank Altitude Go card has some notable competitors in the cash back rewards space. The Blue Cash Preferred card from American Express offers 6% cash back at U.S. supermarkets, making it a strong contender for those with high grocery bills.

One of the main differences between the Altitude Go and other cards is its fixed-value redemption options. Unlike the Citi Double Cash card, which offers 2% earnings on all purchases, the Altitude Go's points are only redeemable for at most 1 cent each.

The Chase Freedom Flex card is another card worth considering, especially for those who want flexible rewards and bonus categories. It earns 5% cash back on travel booked through Chase Travel, 3% back on dining, and 3% back on drugstore purchases.

Here's a quick comparison of the Altitude Go with other cash back rewards cards:

The U.S. Bank Altitude Go's rewards categories are geared towards everyday spending, with 4X points on dining, 2X points on groceries and streaming services, and 1X points on all other purchases. This makes it a solid choice for those who want a one-card solution for their daily expenses.

The U.S. Bank Altitude Go Visa Signature Card is a solid choice for those who want a no-annual-fee credit card with a decent reward structure. You'll earn 20,000 bonus points just by spending $1,000 in eligible Net Purchases in the first 90 days.

The card's rewards rate is impressive, with 4X points on dining, takeout, and restaurant delivery, and 2X points on streaming services and at grocery stores (excluding discount stores and wholesale clubs). You'll also earn 2X points at gas stations and EV charging stations, excluding discount stores and wholesale clubs.

The card has a variable APR of 17.49% - 28.49%, which is standard for credit cards. There is no annual fee, making it a great option for those who want to avoid paying an annual fee.

The U.S. Bank Altitude Go's welcome offer is a great incentive to sign up, but it does come with a higher spending requirement compared to similar cards. You'll need to spend $1,000 in the first 90 days of account opening to earn 20,000 bonus points.

These points are worth up to 1 cent each, so the welcome bonus is worth up to $200. This is a decent reward, but it's not the highest we've seen from cash back cards.

Compared to other no-annual-fee cash back cards, the U.S. Bank Altitude Go's welcome offer is pretty much on par. For example, the Capital One Savor Cash Rewards Credit Card offers a $250 reward after spending $500 in the first three months, while the Chase Freedom Flex℠ offers a $200 reward after spending $500 in the same timeframe.

You can redeem your U.S. Bank Altitude Go points for various purposes, including merchandise, gift cards, rewards debit cards, or travel.

One of the best redemption options is travel, which offers a one-to-one exchange rate and no limitations on the number of points you can use. You can use your points to book airfare, rooms at hotels, rental cars, cruises, or activities categorized as travel.

You can also redeem your points for cash back, statement credits, or gift cards. The maximum value you can get with any redemption method is 1 cent per point, unless you have the Altitude Reserve card, which offers 1.5 cents per point in value when redeeming for travel through the Altitude Rewards Center.

Redeeming your points for merchandise is not the best option, as it yields a value of 1 cent per point, which is the same value you can get by paying for purchases with Real-Time Mobile Rewards or applying cash back to your monthly bill.

Here are the redemption options available with the U.S. Bank Altitude Go:

Keep in mind that points will expire if there is no reward, purchase, or balance activity on your credit card account for 12 consecutive statement cycles, starting from April 14.

You can apply for the U.S. Bank Altitude Go card anywhere in the U.S. However, U.S. Bank is most prominent in the Midwest and West Coast.

To increase your chances of getting approved, establishing a relationship with U.S. Bank is a good idea. This can be done by opening a checking account or becoming an authorized user.

The U.S. Bank Altitude Go card requires good to excellent credit. This means you'll need a strong credit history to be considered for approval.

U.S. Bank is known to be conservative in its approvals, often denying applicants with many recent inquiries. However, some applicants have successfully gotten approved through manual reviews.

The U.S. Bank Altitude Go card earned a perfect score of 5 for its 4X points on dining, making it a great option for those who frequently dine out.

We evaluated the card using our Rewards Score methodology, considering factors such as effective reward rate and annual fee.

The card has no annual fee, which is a significant advantage for those who want to avoid added expenses.

It also offers a 0% APR period on purchases, making it a great option for those who need to finance a purchase.

One of the standout features of the U.S. Bank Altitude Go card is its lack of foreign transaction fees, making it a great option for international travelers.

The card is recommended for those with good credit, as it is accessible based on credit score.

We also considered the issuer's reputation and customer feedback, which is based on a 5-point scale.

The card has no penalty APR, which means cardholders won't be hit with a higher interest rate if they miss a payment.

The ongoing APR for cardholders is also relatively low, making it a great option for those who want to avoid high interest rates.

Here's a breakdown of the card's rating and evaluation: