U.S. Bank Altitude Rewards Program Review

U.S. Bank Altitude Rewards Review Summary

U.S. Bank Altitude Rewards is the 21st best credit card rewards program, according to WalletHub's latest comparison, receiving 79 points out of a possible 100. The U.S. Bank Altitude Rewards program features several popular credit cards, including the U.S. Bank Altitude® Go Visa Signature® Card and the U.S. Bank Altitude® Connect Visa Signature® Card. There are several redemption options, too, from travel to cash back to gift cards.

U.S. Bank Altitude Rewards Review Scorecard

#10 for Earning Policies
#19 for Redemption Policies
#1 for Rewards Value per Point
#17 for Eligibility & Transparency

Best U.S. Bank Altitude Rewards Credit Cards

Summary: U.S. Bank Altitude Rewards Scores by Review Category

How to Earn U.S. Bank Altitude Rewards Points

Category Rating: 87% (26/30)

You will earn at least one point in return for every dollar you spend with a U.S. Bank Altitude Rewards credit card. Choosing the right credit card and using it strategically can enable you to earn even more points, and there’s no limit on how many points you can earn.

Noteworthy Features:

• Points don’t expire: As long as your account is open, in good standing and active, your points will not expire.

Earning Restrictions to Watch Out For: Certain U.S. Bank Altitude Rewards credit cards may offer bonus points on prepaid hotel bookings or car rentals – but only when they are purchased through the Altitude Rewards Center.

How to Redeem U.S. Bank Altitude Rewards Points

Category Rating: 45% (9/20)

The best way to redeem U.S. Bank Altitude Rewards points is for travel or a deposit to an eligible U.S. Bank account, depending on the card you hold.

Travel

You can redeem your points to book travel through the Altitude Rewards Center in your online account.

Merchandise

You can use your points to purchase various items online.

Cash Back

Cash back redemption can take the form of a statement credit or an electronic deposit to a U.S. Bank checking or savings account.

Gift Cards

You can use your points to get gift cards from popular retailers.

Redemption Restrictions to Watch Out For:

• Minimum redemption for cash back: The minimum number of points needed to redeem for cash back is 2,500.
• No transfer partners: U.S. Bank Altitude Rewards does not offer the ability to transfer points to other companies’ loyalty programs.

U.S. Bank Altitude Rewards Point Value

Category Rating: 100% (30/30)

U.S. Bank Altitude Rewards points are worth 1 cent to 1.5 cents each, depending on how they are redeemed. Points are worth 1 cent each when redeemed for a deposit to an eligible U.S. Bank account, while travel redemptions can provide up to 1.5 cents per point, depending on the card. Other redemption options, such as gift cards, merchandise, or statement credit, may offer a lower value. Cards that participate in the rewards program offer different amounts of points for different types of purchases. The overall range is 1 to 5 points per $1 spent.

*Varies by card

U.S. Bank Altitude Rewards Eligibility & Transparency

Category Rating: 75% (15/20)

Not every U.S. Bank rewards credit card gets to participate in the Altitude Rewards program. U.S. Bank has one other rewards program, called Cash Back Rewards.

U.S. Bank Altitude Rewards Credit Cards

• U.S. Bank Altitude® Go Visa Signature® Card
• U.S. Bank Altitude® Connect Visa Signature® Card
• U.S. Bank Altitude® Go Visa® Secured Card

Summary: U.S. Bank Altitude Rewards Ratings by Category

Popular U.S. Bank Altitude Rewards Credit Cards

U.S. Bank Altitude® Go Visa Signature® Card	U.S. Bank Altitude® Connect Visa Signature® Card	U.S. Bank Altitude® Go Visa® Secured Card
4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.0 User Reviews 3.6 Market Comparison 4.3 fees: 5.0 rewards: 5.0 cost: 4.3 APR: 3.9	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.8 Market Comparison 4.3 fees: 5.0 rewards: 5.0 cost: 4.3 APR: 3.9	4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 2.9 Market Comparison 4.8 fees: 5.0 rewards: 5.0 cost: 5.0 Other Features: 3.5
(19)	(21)	(6)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 15 billing cycles	Purchase Intro APR0% for 15 billing cycles	Purchase Intro APRN/A
transfer intro apr0% for 15 billing cycles Transfer Fee: 5% (min $5)	transfer intro apr0% for 15 billing cycles Transfer Fee: 5% (min $5)	transfer intro aprN/A
Regular APR17.74% - 27.74% (V)	Regular APR17.74% - 27.74% (V)	Regular APR28.74% (V)
rewards rate 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X at grocery stores (excludes discount stores/supercenters and wholesale clubs) 2X at gas stations/EV charging stations (excludes discount stores/supercenters and wholesale clubs) 1 - 4 points / $1	rewards rate 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. 4X on travel 4X at gas stations and EV charging stations on your first $1,000 each quarter (excludes discount stores/supercenters and wholesale clubs). 2X on dining, streaming services and at grocery stores (excludes discount stores/supercenters and wholesale clubs). 1X point on all other eligible purchases. 1 - 5 points / $1	rewards rate Earn 4 points per $1 spent on dining, including takeout and restaurant on your first $2,000 each quarter and 1 point thereafter. Earn 2 points per $1 spent at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded). Earn 2 points per $1 spent on streaming services. Earn 1 point per $1 spent on all other eligible purchases 1 - 4 points / $1
bonus offer 20,000 points	bonus offer 20,000 points	bonus offer N/A
Learn More SponsoredApply Now  Learn More	Learn More SponsoredApply Now  Learn More	Learn More SponsoredApply Now  Learn More

5 Tips for Getting the Most Out of U.S. Bank Altitude Rewards

Following these tips could mean the difference between earning a free family vacation and only getting enough for a one-way flight:

1. Pick the right card & use it wisely
   Some U.S. Bank Altitude Rewards cards offer bonus points if you spend a certain amount within a few months of account opening. Others reward you more for purchases in certain spending categories. And some combine the two. Your job is to find a card that complements your particular needs.
   

2. Redeem regularly
   The whole point of earning credit card rewards is to enjoy the savings they provide. If you just leave your points sitting in your account unused, they won’t do you much good.
   

3. Pay your bill on time every month
   Your points won’t expire as long as your account remains open and active. In other words, you have nothing to worry about if you pay your monthly bills on time.
   

4. Pay your bill in full every month
   Paying interest at a credit card’s regular APR will end up costing you more than rewards save you. Paying in full monthly allows you to avoid interest charges.
   

5. Redeem before closing your account
   You will lose any points left unredeemed when you close your account.

U.S. Bank Altitude Rewards vs. Bank of America Points Rewards vs. Chase Ultimate Rewards

U.S. Bank Altitude Rewards Review Methodology

This review of U.S. Bank Altitude Rewards is based on the same methodology as WalletHub’s annual study on the Best Credit Card Rewards Programs. Editor’s ratings reflect the sum of each program’s scores across the study’s four major categories, adjusted to a 5-point scale to create a representative distribution of ratings. The four major categories considered were: Earning Policies, Redemption Policies, Rewards Value per $1 Spent and Eligibility & Transparency.

WalletHub calculated point values for U.S. Bank Altitude Rewards by comparing the dollar value of redemption items against the number of points needed for each.