U.S. Bank Altitude Go Visa Signature Card

Rewards by category

Our take

The Altitude Go is built for people whose biggest flexible expense is food away from home. It earns 4x U.S. Bank Rewards points on dining, enough to rank second in our dining standings, with each point valued at a straightforward one cent. Around that headline rate sits a wide 2x tier covering groceries, gas, EV charging, and streaming, all for no annual fee.

The fine print is mostly about the dining rate: a spending cap applies, and once you pass it the rate drops. The base rate is 1x, so purchases outside the bonus tiers earn little. The $15 streaming credit is real but slow: it arrives only after 11 consecutive months of eligible streaming purchases, so a skipped month breaks the streak.

In a small wallet, treat this as the dining specialist rather than the everyday card. Let it handle restaurant spending, lean on its 2x tier when groceries, gas, EV charging, or streaming come up, and route everything else through a flat-rate card so your non-category spending never settles for 1x. As a Visa with no annual fee, it costs nothing to hold in that role.

The math

Run $400 a month of dining through this card and you're earning about $192 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1x base rate is pure upside.

Where it lands in our rankings: #1 for dining

Common questions

Does U.S. Bank Altitude Go Visa Signature Card have an annual fee?

No — U.S. Bank Altitude Go Visa Signature Card has no annual fee.

What does U.S. Bank Altitude Go Visa Signature Card earn on dining?

4x on dining (up to $2,000; lower rate after the cap).

What rewards does U.S. Bank Altitude Go Visa Signature Card earn on everything else?

1x on all other purchases, in U.S. Bank Rewards.

Does the Altitude Go's 4x dining rate have a spending cap?

Yes. A spending cap applies to the 4x dining rate, and once you cross it your dining purchases earn at a lower rate. If restaurants are a large share of your budget, keep an eye on your running dining total and shift overflow dining spend to another card once the cap is reached.

How do you earn the Altitude Go's $15 streaming credit?

The card offers a $15 annual streaming credit, but only after 11 consecutive months of eligible streaming purchases. The streak matters: the credit rewards uninterrupted use rather than a single purchase. If you already pay for a streaming service monthly, put it on this card; you earn 2x on streaming along the way and the credit follows.

Related reading

• How we value points and miles (and why our numbers are lower than everyone else's)SwipeCaddy ranks cards by reward rate × a conservative cash value per point: 1¢ for cash back and transferable points (Chase, Amex, Citi, Capital One, Bilt), 1.1–1.3¢ for airline miles, 0.4–1.4¢ for hotel points, and 0.8–0.9¢ for store currencies. Optimistic transfer values are recorded for context but never ranked, because most people never achieve them.