Difference between revisions of "Altitude go card"
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| − | <li>'''The main | + | <li>'''The main reason to get this card is its 4x points on restaurant spending'''. It is probably the best no-annual-fee cashback option. The Wells Fargo Propel combination earns slightly more, but requires a complex combination of two cards. {{Link|restaurant spending}}.</li> |
| − | <li>'''The other bonus category reward rates are not interesting'''. You should be earning at least as much with your general purpose card. And you never want to use this card for your everyday purchases.</li> | + | <li>'''The other bonus category reward rates are not very interesting'''. You should be earning at least as much with your general-purpose reward card and can do even better with a card that earns bonus rewards for these categories / this category. And you never want to use this card for your everyday purchases.</li> |
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Revision as of 23:10, 18 October 2020
U.S. Bank Credit Cards
U.S. Bank Webpage
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Annual Fee
No annual fee
Typical Signup Offer
20,000 points
$1,000 initial spend
($200 net value, .20/$)
Signup Bonus ChartBonus Categories
4x on restaurants (4%)
2x on grocery and gas (2%)
2x on streaming services (1%)
1x Everything Else (1%)
No Foreign Transaction Fee
4% back on restaurant spending makes this a great option for someone who wants to optimize their spending, but doesn't want to pay annual fees or plan on using their points for frequent flyer tickets.
Note: You can't share points between your Altitude Reserve and Altitude Go cards or redeem Altitude Go points for more than 1 cent each.
Collecting the Signup Bonus
It probably doesn't make sense to get this card just for the signup bonus. But the normal offer of $200 ($1,000 initial spend) is a pretty nice side benefit for a no-annual-fee card that you might want for its bonus categories.
Notable Benefits
- Streaming bonus. If you use the card to pay for a streaming service for 11 months in a row, you'll receive a credit for the 12th month (up to $15 per year). Not much, but at least the card earns 2% rewards on the ongoing charges.
- Access to the Visa Signature Luxury Hotel Collection. As with all Visa Signature cards, you'll get access to Visa's luxury hotel program. Whenever you book one of the 900+ participating hotels, you'll receive a set of valuable benefits, including free breakfast, late check-out, and a $25 food and beverage credit. The Visa program has slightly weaker benefits than the other luxury hotel programs, but includes a larger number of more affordable hotel options and a best price guarantee. Take Advantage of Luxury Hotel Programs for Valuable Extra Perks.
- Access to Visa Signature Offers. Your card entitles you to a set of special offers available from Visa.
Bonus Categories
- The main reason to get this card is its 4x points on restaurant spending. It is probably the best no-annual-fee cashback option. The Wells Fargo Propel combination earns slightly more, but requires a complex combination of two cards. Best Credit Cards for Restaurant Spending.
- The other bonus category reward rates are not very interesting. You should be earning at least as much with your general-purpose reward card and can do even better with a card that earns bonus rewards for these categories / this category. And you never want to use this card for your everyday purchases.