U.S. Bank Altitude Go Visa Signature

Rewards Rate

Welcome Bonus

0% introductory APR for 12 months for balance transfers and purchases. 20,000 welcome bonus points (estimated value: $200)

APR

18.24-29.24% Variable APR

Pro & Cons

• Comes with a one-time welcome bonus to qualifying members
• Offers multiple ways to earn points
• No annual fee
• 0% introductory APR

• Requires good to excellent credit Introductory
• APR period is only 12 months
• No bonus points for travel

U.S. Bank Altitude Go Visa Signature

The U.S. Bank Altitude Go Visa Signature Card is a credit card that offers rewards for qualifying purchases. These points never expire, meaning the cardholder can let them accumulate and use them for something big later. Although not technically called a cash-back card, it’s possible to convert these points into cash rewards or for merchandise.

Rewards Redemption

You can redeem your points by logging into your U.S. Bank account and going to the Rewards Center online. Or you can go through the app, select your Altitude Go account, and click “Redeem.” Alternatively, call the Rewards Center at 888-229-8864 and ask them to redeem the points for you.
You can also start shopping via the Rewards Center and use your rewards that way.

Terms, Rates and Fees

The U.S. Bank Altitude Go Visa Signature Credit Card comes with a 0% introductory APR for the first year for balance transfers and regular purchases. After that, the card switches to a variable rate ranging from 18.24% to 29.24%.
There is no penalty APR. However, cash advances come with a 29.99% variable APR.
This card also comes with several types of fees, most of which are standard in the industry. To begin with, there is no annual fee, overdraft protection fee, or foreign transaction fee.
There is a 3% or $5 balance transfer fee (whichever is higher), though. Other fees include a convenience check cash advance of 3% or $5, ATM cash advance fee of 5% or $10, and a $1 minimum interest charge. There’s also a $41 late payment or returned payment fee.
The credit limit depends on the borrower’s income and credit history. The better your credit score and income, the higher your limit tends to be.
Overall, these terms seem reasonable for the type of credit card this is. However, other credit cards may have a longer introductory APR period or higher bonuses.

Maximize Benefits and Avoid Fees

• Take advantage of the bonus points. The first-year welcome bonus is worth roughly $200, and is relatively easy to earn. Simply spend $1,000 within 90 days of opening the account.
• Use the balance transfer introductory rate. An ongoing value for the first year is the 0% introductory rate on balance transfers and everyday purchases. If you have another credit card with a hefty balance, transfer it to this card and pay it back within this window to avoid interest fees.
• Use the 4x points. By making purchases at restaurants or grocery stores, you can earn up to 4x the amount of points per dollar spent. For example, if you spend $1,000 a month on dining or restaurant delivery, you could earn up to $680 for the year in cash back or merchandise. If you regularly spend the same amount on groceries and gas, you could earn up to $440 in cash back for the year.
• Keep your balance at $0. The variable APR can be high, so pay off your balance in full every month to avoid fees. During the first year, you have more leeway with this due to the introductory period.

How to Apply

• You can apply for this credit card online by going to the U.S. Bank official website.
• From there, select “Personal” at the top of the page, followed by “Credit Cards” and “View Credit Cards.”
• Then, scroll down until you find the U.S. Bank Altitude Go Visa Signature Card. If you want to learn more about the card, select “Learn More.”
• When you’re ready to start the application process, select “Apply Now.”
• If you choose to complete the application manually online, you’ll need to provide either your SSN or Individual Taxpayer Identification Number and your mobile phone number. Then, you’ll be prompted for some basic personal and contact information, like your full name, email address, phone number, and mailing address.
• Be prepared to provide information about your housing costs, citizenship, annual income, and income sources. You may be prompted for more information at this point, depending on your selection.
• Finally, review everything and make any necessary changes. If everything looks good, you may proceed to apply for the card.

Qualification Requirements

• 18 years or older
• U.S. citizen or permanent resident
• Good credit or better
• Verifiable income or employment

What Makes This Card Appealing?

One of the most attractive aspects of the U.S. Bank Altitude Go Visa Signature Card is the variety in points options available. You can earn anywhere from 1x to 4x points on most purchases, which can result in some high cashback opportunities. The card also has no annual fee, making it a solid choice for more casual users. Plus, the 0% introductory APR period is beneficial for those who need to transfer a balance from a high-interest credit card.