RateHerald

Our illustration, not the card’s design

US Bank credit card

U.S. Bank Altitude® Go Visa Credit Card

No annual fee. 20,000 Points welcome bonus. Purchase APR 17.74–27.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
CFPB credit card survey, Dec 2025
Foreign transactions

Select an underlined figure to see where it comes from.

US Bank’s terms

Welcome offer

20,000 Points

$1,000 or more in total eligible Net Purchases within 90 days of account opening

One-time bonus for a new approved U.S. Bank Altitude Go Visa Signature Card account. Existing or previous cardmembers are not eligible if they received a new account bonus for this product in the last five years. Allow 1-2 billing cycles for bonus Points to be credited. Cannot be combined with any other bonus offer.

  • Smaller than about 65% of the 44 other Points bonuses we track.

Who can get it: If you’ve had this bonus in the last 60 months (5 years), you can’t get it again yet.

“Bank Altitude Go Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$405$205
Typical spender$705$505
Heavy spender$1,220$1,020
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at 1¢, the program's deposit to a U.S. Bank account value.

$205a year

$405 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at 1¢, the program's deposit to a U.S. Bank account value.

$505a year

$705 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at 1¢, the program's deposit to a U.S. Bank account value.

$1,020a year

$1,220 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at 1¢, the program's deposit to a U.S. Bank account value.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

U.S. Bank Altitude Go rewards

How you earn

4×
Dining, takeout and restaurant delivery; restaurant, fast-food restaurant and bar purchases
2×
Grocery stores and supermarkets; wholesale clubs and discount stores/supercenters such as Target and Walmart earn only 1 pointGas stations; wholesale clubs, discount stores/supercenters and grocery stores/supermarkets earn only 1 pointElectric vehicle charging stations; wholesale clubs, discount stores/supercenters and grocery stores/supermarkets earn only 1 pointQualifying streaming subscription services
1×
Everything else

Points per dollar.

Benefits

  • Streaming services credit: $15 annual

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariableCFPB credit card survey, Dec 2025
Intro APRfirst 15 billing cycles
Balance transfer fee
Foreign transactions
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 60 months (5 years), you can’t get it again yet.

Questions

What is the annual fee?
None · onboarding.usbank.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each foreign transaction. · onboarding.usbank.com, since Sep 29, 2026
What is the purchase APR?
17.74–27.74% APR · CFPB credit card survey, Dec 2025, since Oct 10, 2026
Is there an intro APR?
0% for first 15 billing cycles. · onboarding.usbank.com, since Sep 29, 2026
Is there a welcome bonus?
20,000 Points after $1,000 in purchases. · usbank.com, since Nov 1, 2026
See it on usbank.com

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