US Bank Altitude Go Payoff Calculator (2026)

Card data, May 13, 2026

• Issuer: U.S. Bank
• Network: Visa Signature
• APR: 18.74% to 28.74% variable
• Annual fee: $0
• Rewards:
  • 4x points per dollar on dining, takeout, and food delivery
  • 2x points per dollar on grocery stores, gas stations, EV charging stations, and streaming services
  • 1x points per dollar on all other purchases
• Annual streaming credit: $15 statement credit per year for one eligible streaming service charge
• Sign-up bonus: 20,000 bonus points after $1,000 in eligible purchases in the first 90 days (equals $200 redemption value)
• Intro APR on balance transfers: 0% for 15 billing cycles on transfers made in first 60 days from account opening
• Intro balance transfer fee: 3% (minimum $5) for transfers in first 60 days; 5% after
• No intro APR on purchases (per the most recent Altitude Go terms page; verify before applying)
• Foreign transaction fee: 3%
• Late fee: up to $41
• Penalty APR: None
• Minimum payment: 1% of balance plus interest and fees, with a $25 floor
• Typical FICO floor for approval: 700

Source: U.S. Bank Altitude Go terms, verified 2026-05-13.

TL;DR

The Altitude Go is the highest-earning no-annual-fee dining card in the market as of May 2026. Capital One SavorOne earns 3% on dining. Chase Freedom Unlimited earns 3% on dining. Citi Custom Cash earns 5% on the top category up to $500 a month (so 5% on dining only if you spend under $500 monthly, otherwise it caps).

Altitude Go earns 4x on dining with no cap, plus takeout and food delivery. For a household spending $400+ a month on dining and delivery, this card outearns every other no-fee card on dining alone by 1 to 2 percentage points.

The 2x on grocery, gas, EV, and streaming is competitive but not best-in-class. The 1x base is below market. The card wins on the dining specialty; if you do not spend significantly on dining or delivery, a flat 2% card outearns it on the rest.

The $15 annual streaming credit covers one month of most major streaming services and is a small but real ongoing benefit.

Math worked example

$3,500 balance at 23% APR (mid range), $175 per month payment:

• 26 months to payoff
• $900 in interest
• Total cost: $4,400 (no annual fee)

Same balance transferred to Altitude Go intro 0% (3% fee = $105, 15 cycles 0%), paid down at $241 per month:

• 15 cycles to payoff
• $0 interest accrual during promo
• Total cost: $3,605
• Savings: $795

The Altitude Go’s own 0% intro offer is solid for moderate balances. For larger balances or longer payoff timelines, Wells Fargo Reflect (21 months) or BankAmericard (18 cycles) gives more breathing room.

Why the 4x on dining is genuinely useful for delivery-heavy households

The Altitude Go’s 4x category includes:

• Sit-down restaurants
• Takeout (counter-service, drive-through, pickup)
• Food delivery apps (DoorDash, Uber Eats, Grubhub, Instacart restaurant orders)
• Fast food chains
• Bars and pubs that serve food
• Caterers

For an urban household that orders delivery 3 to 5 times a week, dining spend can easily hit $600 to $1,000 a month. At 4x, that is 2,400 to 4,000 points per month, or $288 to $480 per year just on the dining bonus. The next-best no-fee card (Capital One SavorOne at 3%) earns $216 to $360 on the same spend. Altitude Go’s edge over SavorOne is $72 to $120 a year.

For non-delivery households (cooking at home, dining out 1 to 2 times a month), the dining 4x earns maybe $50 to $100 a year, which a 2% flat card (Active Cash, Double Cash) on the same spend would earn $25 to $50. The edge shrinks to $25 to $50 a year, and the 1% on everything else means Altitude Go loses on the bulk of the spend.

Altitude Go vs Altitude Connect (the sibling card)

Both are U.S. Bank Visa Signature cards. The differences:

• Altitude Go: no annual fee, 4x dining, 2x grocery/gas/streaming
• Altitude Connect: $0 annual fee year 1, $95 after; 5x prepaid hotels/car rentals through US Bank Rewards Center, 4x on travel, 2x on dining, 2x on streaming, 1x elsewhere, no foreign transaction fee, $25 annual streaming credit

For dining and grocery focus: Altitude Go. For travel focus with no foreign fees and travel-portal earning: Altitude Connect once you can offset the $95 fee with the travel benefits.

Run your specific Altitude Go numbers

The pillar tool accepts the U.S. Bank Altitude Go APR. Pull the exact rate from the statement, not the published range.

How U.S. Bank Rewards points redeem

The Altitude Go uses U.S. Bank Rewards points, which redeem at 1 cent each across several paths:

1. Statement credit: 1 cent per point, no minimum
2. Direct deposit to U.S. Bank checking or savings: 1 cent per point
3. Gift cards: typically 1 cent per point, occasionally promotional rates of 1.25 cents
4. Travel through U.S. Bank Rewards Center: 1 cent per point, sometimes 1.5 cents for hotel stays
5. Pay at Amazon checkout: 1 cent per point

Unlike Chase Ultimate Rewards or Amex Membership Rewards, U.S. Bank Rewards points do not transfer to airline or hotel partners. The 1 cent floor is also the ceiling for most redemption types. For pure cashback uses, the math is straightforward and the redemption value is predictable.

The $15 annual streaming credit

The Altitude Go provides an annual $15 statement credit applied automatically when an eligible streaming service is charged to the card. Eligible services include Netflix, Hulu, Disney+, Apple Music, Spotify, YouTube Premium, and others (the Altitude Go FAQ has the current list).

The credit is small but covers one month of most services. It applies once per cardmember per calendar year, on the first eligible streaming charge of the year. For households that pay for streaming anyway, the credit is free $15.

Avalanche priority

Altitude Go APR range starts at 18.74%, which is on the low end among rewards cards. If the assigned APR is in the 18.74% to 20% slice, the card is likely not the highest-APR card in a wallet that includes premium travel cards. Pull every card’s assigned APR and target the highest first.

When Altitude Go is the right card

Two scenarios:

1. Urban household with $300+ per month in dining and delivery spend: the 4x rate strictly dominates other no-fee cards on that spend
2. Streaming-heavy household: 2x on streaming plus the $15 annual streaming credit is modest but real recurring value

When Altitude Go is the wrong card

Two scenarios:

1. Cook-at-home household with low dining spend: the 1x base rate loses to a 2% flat card on most of the budget
2. International traveler: 3% foreign transaction fee makes the card a bad pick abroad. Altitude Connect (no foreign fee) is the right U.S. Bank pick for travel

How to stack Altitude Go with other no-fee cards

A common no-fee wallet stack:

• Altitude Go for dining and delivery (4x)
• Bank of America Customized Cash for one chosen category at 3% (online shopping or gas)
• Citi Double Cash or Wells Fargo Active Cash for everything else at 2% flat
• Wells Fargo Reflect dormant for balance transfer capacity if needed

This wallet routinely averages 2.5% to 3% blended on typical household spend without any card carrying an annual fee.

Should you keep Altitude Go after payoff?

Yes for dining-heavy households. No annual fee, no carrying cost, and the 4x rate continues. For non-dining households, the card adds little value but also costs nothing to hold open; keeping it preserves available credit and helps utilization.

Other U.S. Bank cards

• U.S. Bank Cash+ payoff calculator
• U.S. Bank Altitude Connect payoff calculator

Other dining and category cards

• Bank of America Customized Cash payoff calculator
• Chase Freedom Unlimited payoff calculator
• Wells Fargo Autograph payoff calculator
• Wells Fargo Bilt payoff calculator

Related

• Credit card payoff calculator (home), pillar tool
• Credit card payoff by card type, full hub

Frequently asked questions

What is the APR on U.S. Bank Altitude Go?

18.74% to 28.74% variable as of May 13, 2026, per Altitude Go pricing. The starting rate of 18.74% matches the other U.S. Bank cards in the rewards tier (Cash+ also starts at 18.74%). Your assigned APR appears on the monthly statement and was determined at approval.

Does Altitude Go have an annual fee?

No, $0. The Altitude Go is in the no-annual-fee tier alongside U.S. Bank Cash+. The Visa Signature status comes with benefits (extended warranty, travel and emergency assistance, auto rental collision damage waiver) without an annual fee.

Which categories earn 4x points on Altitude Go?

One category earns 4x: dining, which includes restaurants, takeout, food delivery apps (DoorDash, Uber Eats, Grubhub, Instacart restaurant orders), fast food, bars and pubs serving food, and caterers. The 4x is uncapped. The 2x categories are grocery stores, gas and EV charging stations, and eligible streaming services.

Is there a 0% intro APR offer on Altitude Go?

Yes for balance transfers. The current offer is 0% intro APR for 15 billing cycles on balance transfers made in the first 60 days from account opening, with a 3% intro transfer fee (5% after the first 60 days). There is no intro 0% offer on new purchases on the current Altitude Go terms; verify on the Altitude Go terms page before applying since promotional terms change.

Are there foreign transaction fees on Altitude Go?

Yes, 3%. The Altitude Go charges a foreign transaction fee, making it suboptimal for international travel. U.S. Bank’s Altitude Connect (sibling card with $0 annual fee year 1, $95 after) waives the foreign transaction fee and is the right U.S. Bank pick for travelers. For domestic dining and delivery, Altitude Go still dominates.