U.S. Bank Altitude® Go Visa Signature® Card
Basic Information
Program ID: altitude-go-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 18:24
Last Scraped: 01/15/2026 08:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,024.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,024.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points will be credited to your account 6-8 weeks after you have met the spend requirement.
Rewards Program
Reward Type: FlexPoints
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Dining, Takeout, Food Delivery; 2x Grocery Stores, Grocery Delivery, Streaming Services, Gas Stations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: For 2026, the U.S. Bank Altitude Go Visa Signature Card is expected to maintain its typical welcome bonus offer, which is commonly 50,000 bonus points after spending $4,000 in eligible purchases within the first 90 days of account opening. Eligibility for this card requires applicants to have good to excellent credit (typically FICO score 700+), be at least 18 years old, and be a U.S. resident or citizen with a stable income. A critical application rule for U.S. Bank personal cards is the '2/12 Rule,' meaning applicants will generally be denied if they have opened 2 or more new personal credit card accounts with U.S. Bank in the past 12 months. This rule applies across all U.S. Bank personal credit card products. Applicants should not currently hold the Altitude Go card or have received a bonus for it in a recent period (though U.S. Bank is less strict on re-applying for the same card bonus compared to some other issuers, the 2/12 rule remains paramount for new accounts).
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reselling), rapid accumulation of high cumulative credit limits across U.S. Bank products, suspicious or uncharacteristic spending patterns, abuse of return policies to meet spend, frequent opening and closing of accounts, or repeated late/bounced payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.4 / 5.0
Top Positive Feedback:
Excellent rewards on dining, streaming, gas, and groceries (4x/2x points). No annual fee. Includes a $15 annual streaming credit. Easy point redemption at 1 cent per point.
Top Negative Feedback:
Charges foreign transaction fees, making it less ideal for international travel. U.S. Bank can be sensitive to recent credit inquiries. Points are fixed at 1 cent value, no transfer partners.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Flex
- Citi Custom Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $525.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/26/2023 00:00