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U.S. Bank Altitude Go: terms, score and downsides Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric score 63.3% across 78 cards. Issuer page ↗
Downsides first 3% foreign transaction fee APR up to 27.74% if you carry a balance Late fee up to $41 Terms & fees Issuer U.S. Bank Type no annual fee Annual fee $0 usbank.com, 2026-10-12 Regular purchase APR 17.74%–27.74% variable usbank.com, 2026-10-12 Rewards 1% base; 4% dining; 2% groceries; 2% gas; 2% streaming usbank.com, 2026-10-12 Sign-up bonus (≈$) $200 20,000 bonus points (valued at 1¢) usbank.com, 2026-10-12 Intro APR 15 months 0% intro APR for 15 billing cycles usbank.com, 2026-10-12 Foreign transaction fee 3% files.consumerfinance.gov, 2025-12-31 Penalty APR none Agreement: 'There is no Penalty Rate for your Account.' consumerfinance.gov, 2026-06-30 Late fee up to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 26 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 30.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 17.49%–27.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Complaint record (CFPB) Complaints, last 12 months 6,770 Trend ▲ 31.8% (last 12 mo 6,770 vs prior 12 mo 5,138)Timely response (last 36 mo) 100.0% Per $1B deposits (12 mo) 12.49 Top issue Managing an account Insurance status FDIC-insured: U.S. Bank National Association (cert 6548, active; deposits $541.9B as of 06/30/2026) Company-level (U.S. BANCORP), all products, as of 2026-10-12. U.S. Bank complaints: full record → Shown for context; does not change the score.
Score breakdown Annual fee 10.0 /10 Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted). Rewards rate 5.5 /10 Base 1% on everything, top category 4% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 4% dining; 2% groceries; 2% gas; 2% streaming Sign-up bonus 2.7 /10 Bonus ≈ $200: 20,000 bonus points (valued at 1¢) (as of 2026-10-12). Score = value/$75, max 10. Intro 0% APR 7.1 /10 0% intro APR for 15 billing cycles (as of 2026-10-12). Score = months/21×10. Regular APR 8.0 /10 17.74%–27.74% variable (as of 2026-10-12); midpoint 22.74%. Score = (34 − midpoint)/1.4, 0–10. Foreign transaction fee 3.0 /10 3% foreign transaction fee (as of 2025-12-31). Regulatory record (CFPB) 8.0 /10 Issuer U.S. Bank: Base 10, −2 CFPB 2022-07 0.143×10.0 + 0.143×5.5 + 0.143×2.7 + 0.143×7.1 + 0.143×8.0 + 0.143×3.0 + 0.143×8.0 = 6.33 → 63.3%
Is U.S. Bank Altitude Go worth it? (break-even math) → Value for my spending →
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FAQ What is the U.S. Bank Altitude Go annual fee? $0
What is the U.S. Bank Altitude Go APR? 17.74%–27.74% variable
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