U.S. Bank Altitude Go Visa Card
NO ANNUAL FEE STREAMING BONUSLanding your first or next credit card isn’t just about convenience—it’s about financial freedom. The U.S. Bank Altitude Go Visa Card appeals to Americans who want strong dining rewards, no annual fee, and an accessible entry point. For students, young professionals, or even self-employed 1099 workers, getting this approval can feel like stepping into the next chapter of financial independence.
Benefits of the U.S. Bank Altitude Go Visa Card
- No Annual Fee: You won’t pay extra just to keep this card in your wallet.
- Strong Dining Rewards: Earn 4x points on dining, takeout, and food delivery. Perfect for anyone who spends a chunk of their budget eating out.
- Streaming Bonus: Earn 2x points on popular streaming services like Netflix, Hulu, and Spotify—tailored to American digital lifestyles.
- Gas & Grocery Rewards: Get 2x points at gas stations and grocery stores.
- Introductory Bonus: New cardholders often receive 20,000 bonus points (worth $200) after spending $1,000 in the first 90 days.
- Low Intro APR: Some promotions include 0% intro APR on purchases and balance transfers for 12 billing cycles, then variable APR from 18.24% to 29.24% depending on creditworthiness.
Downsides to Consider
- Higher Ongoing APR: If you carry a balance, variable APR starting at 18.24% may feel steep compared to fixed monthly payment options or personal loans.
- Credit Score Requirement: Generally, you’ll need a minimum credit score of 690 (Good credit) to qualify. This may exclude those with fair or rebuilding credit.
- Limited Travel Perks: Unlike premium travel cards, this one isn’t built for frequent flyers. No free lounge access or TSA PreCheck credits.
- Foreign Transaction Fees: A 3% fee on purchases made outside the U.S. can add up quickly.
Requirements & Documentation for Approval
To apply for the U.S. Bank Altitude Go Visa Card, you’ll typically need:
- Minimum Credit Score: 690+ (Good to Excellent).
- Proof of Income: Recent pay stubs or tax returns (self-employed applicants can use 1099 forms).
- U.S. Residency: Must be a permanent U.S. resident or citizen.
- Valid SSN or ITIN: For identity verification.
- Debt-to-Income Ratio: U.S. Bank evaluates your income compared to existing debts. A lower ratio improves your chances of approval.
Comparison Table: How It Stacks Up
| Feature | U.S. Bank Altitude Go Visa Card | Chase Freedom Flex℠ | Capital One SavorOne |
| Annual Fee | $0 | $0 | $0 |
| Dining Rewards | 4x points | 3% cashback | 3% cashback |
| Streaming Rewards | 2x points | 3% on streaming | 3% on entertainment |
| Grocery & Gas | 2x points | 5% on rotating categories | 3% on groceries |
| Intro Bonus | 20,000 pts ($200 | $200 bonus | $200 bonus |
| APR Range | 18.24% – 29.24% | 19.49% – 28.24% | 19.99% – 29.99% |
| Best For | Dining lovers & self-employed 1099s | Rotating cash back users | Balanced family spending |
Final Thoughts: Is the Altitude Go Worth It?
For anyone who loves dining out, streaming their favorite shows, or simply wants a no-annual-fee card with reliable rewards, the U.S. Bank Altitude Go Visa Card stands out. It’s not the best for travelers, but it’s perfect for daily spenders who want consistent rewards without hidden costs.
Want to know how to speed up your approval and increase your credit score chances? See the next page for insider tips.
By clicking you will remain on the current site.
