If you dine out often or order takeout regularly and want a $0-annual-fee, the U.S. Bank Altitude® Go Visa Signature® Card is worth a close look.
Below you’ll find what the card offers today (rates, fees, rewards), who it’s for, and how to apply.
Also verified contact details for U.S. Bank. Information here is current as of October 11, 2025.
Who Does U.S. Bank Altitude® Go Visa Signature® Card Fit Best
The Altitude Go is built for food-centric spenders who want to avoid an annual fee.
If a significant portion of your budget is allocated to restaurants, bars, or delivery apps, the 4X dining category can add up quickly.
Light travelers who still purchase groceries, gas, or EV charging, as well as streaming services, will also benefit from the 2X categories and credit.
While the bank doesn’t publish a fixed score cutoff, stronger profiles see the best approval odds and APRs.
How to Apply for U.S. Bank Altitude® Go Visa Signature® Card
if you travel abroad frequently and prefer a card with no foreign transaction fees.
Start online (or in-branch)
Visit the Altitude Go application page and select Apply Now. Existing U.S. Bank customers can log in first for a faster application.
You can also apply at a U.S. Bank branch if you prefer in-person help.
Provide standard identity and financial info
Be ready with your legal name, residential address, date of birth, Social Security number (or ITIN), total annual income, and housing details.
Consider a balance transfer at opening
If you plan to consolidate balances, initiate transfers within 60 days to lock in the 0% intro APR for 15 billing cycles (note the 5% transfer fee, $5 minimum).
Activate and set up your account
After approval, enroll in U.S. Bank online banking or the mobile app to track rewards, set alerts, and confirm your eligible streaming services.
Add the card to your wallet
For everyday value, route dining, groceries, gas/EV charging, and your primary streaming subscription to this card.
So you consistently earn bonus points and trigger the streaming credit on schedule.
Rewards Details and Redemption
Eligibility for categories depends on the merchant category code (MCC) the retailer sends
Some stores that sell groceries or fuel may not code as “grocery store” or “gas station.”
Points
4X points on dining, takeout, and restaurant delivery on the first $2,000 each quarter.
2X at grocery stores (excludes discount/supercenter/wholesale clubs), gas stations/EV charging (same exclusions), and eligible streaming services.
1X on all other purchases.
Streaming credit
Spend on qualifying streaming services for 11 consecutive months and you’ll receive a $15 statement credit once per 12-month period.
The credit typically posts within a couple of billing cycles after the 11th consecutive month.
Redemption options
Points can be redeemed toward deposits to eligible U.S. Bank accounts, statement credits, travel, merchandise, gift cards, donations, and more.
When redeemed as a deposit to an eligible U.S. Bank account, points are valued at $0.01 each (10,000 points = $100).
Points don’t expire while your account is open and active; inactivity for 12 consecutive billing cycles may cause points to expire.
Rates, Fees, and Key Costs (current figures)
Choose the Altitude Go if you want a no-annual-fee card geared toward dining and everyday essentials
- Purchase APR: 0% intro for 15 billing cycles, then 17.99%–27.99% variable (based on creditworthiness; tied to the Prime Rate).
- Balance transfer APR: 0% intro for 15 billing cycles on transfers made within 60 days; then 17.99%–27.99% variable.
- Cash advance APR: 30.99% variable.
- Balance transfer fee: 5% (minimum $5).
- Foreign transaction fee: 3% of each transaction.
- Late/returned payment fee: Up to $41.
- Minimum interest charge: $1 if interest is charged.
- Annual fee: $0.
Tips to Maximize Value
Choose the U.S. Bank Altitude® Go Visa Signature® Card if you want a no-annual-fee card geared toward dining and everyday essentials.
Plan around the quarterly 4X cap
Since dining earns 4X only on the first $2,000 per quarter, consider timing large dining events or heavier takeout periods when you know you’ll benefit most.
After you hit the cap, consider a backup card for dining until the next quarter begins.
Automate streaming
Put one primary, eligible streaming subscription on the card and keep it there for 11 straight months to reliably trigger the $15 statement credit once per year.
Use the intro APR intentionally
The 0% intro APR for 15 billing cycles is handy for big purchases you can pay off before the intro ends.
If you’re considering a balance transfer, weigh the 5% fee against expected interest savings.
Watch category exclusions
Wholesale clubs, discount stores, and supercenters typically don’t code as “grocery” or “gas,” and fuel purchases inside a grocery chain may not code as “gas station.”
If a transaction doesn’t earn as expected, check the posted MCC.
How to reach U.S. Bank (phone & address)
Cardmember Service (consumer credit cards): 800-285-8585 (24/7 within the U.S.).
International (collect): +1-701-461-1502.
Corporate headquarters: U.S. Bancorp Center, 800 Nicollet Mall, Minneapolis, MN 55402.
Main corporate phone: 651-466-3000.
Tip: For fraud, lost card, or dispute issues, the Cardmember Service line is your fastest route.
Conclusion
The U.S. Bank Altitude® Go Visa Signature® Card pairs a $0 annual fee with strong 4X dining rewards (up to the quarterly cap)
If your budget lines up with dining, groceries, gas/EV charging, and streaming, this card can be a simple, high-value keeper.
For many households with dining and streaming at the center of monthly spending, Altitude Go offers straightforward value without an annual fee.
Disclaimer: All rates, fees, rewards categories, and benefits referenced here are current as of October 11, 2025 and are drawn from U.S. Bank’s official materials. They can change at any time. Always review the current Altitude Go Terms & Conditions and rewards Program Rules on U.S. Bank’s website—or call Cardmember Service—before you apply or make decisions.
