{"id":193995,"date":"2025-01-11T18:00:12","date_gmt":"2025-01-11T18:00:12","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=193995\/"},"modified":"2026-04-08T14:07:49","modified_gmt":"2026-04-08T14:07:49","slug":"changes-to-us-bank-altitude-go","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/credit-cards\/changes-to-us-bank-altitude-go\/","title":{"rendered":"U.S. Bank to Cap Rewards on the Altitude\u00ae Go Visa Signature\u00ae Card, Implement New Point Expiry Policy"},"content":{"rendered":"<p class=\"custom-blue\"><em>The changes below have taken effect, and this post is no longer being updated. Here is our <a href=\"https:\/\/awardwallet.com\/blog\/tag\/major-updates\/\" target=\"new\">archive of major updates<\/a> from card issuers and loyalty programs.<\/em><\/p>\n<p>Unfortunately, negative changes in the points and miles world are all too common. This week, U.S. Bank announced upcoming changes to the <a data-ccid=\"4048222\" href=\"https:\/\/awardwallet.com\/credit-cards\/us-bank-altitude-go\/\">U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card<\/a>, and they bend towards the negative.<\/p>\n<p>Starting <strong>April 14, 2025,<\/strong> the Altitude Go will see cuts to its earning potential \u2014 which has long been its standout feature \u2014 and the implementation of a new points expiration policy. Let\u2019s dive into the details.<\/p>\n<h2><span id=\"Changes_Coming_to_the_Altitude_Go_Card\">Changes Coming to the Altitude Go Card<\/span><\/h2>\n<h3><span id=\"US_Bank_to_cap_the_Altitude_Go8216s_dining_rewards\">U.S. Bank to cap the Altitude Go&#8216;s dining rewards<\/span><\/h3>\n<p>The first major change to the <a data-ccid=\"4048222\" href=\"\/blog\/link\/USBankAltitudeGoVisaSignatureCard\" rel=\"noopener nofollow sponsored\">Altitude Go<\/a> concerns its dining rewards multiplier. Currently, this card earns an impressive 4X points per $1 on dining spend, including delivery and takeout \u2014 with no caps. That's pretty good for a card with an annual fee of $0! But the unlimited portion of this earning rate won't last much longer.<\/p>\n<p>Starting <strong>April 14, 2025<\/strong>, the 4X points earning rate will be capped at $2,000 in dining spend per quarter. Any dining purchases beyond that will earn just 1X points per $1.<\/p>\n<p>This change won't make a difference for most cardholders who spend less than $2,000 on dining each quarter. But if you frequently entertain clients, host events, or rack up significant dining expenses, this update could greatly impact your reward-earning potential.<\/p>\n<p>It\u2019s worth noting that other earning categories on the card will remain unchanged. You\u2019ll still earn:<\/p>\n<ul>\n<li>2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and on streaming services<\/li>\n<li>1X point on all other eligible purchases<\/li>\n<\/ul>\n<p>As a reminder, this card earns U.S. Bank Altitude points, which don\u2019t transfer to airline or hotel loyalty programs. Instead, points can be redeemed at 1 cent apiece for travel, merchandise, gift cards, and more.<\/p>\n<figure id=\"attachment_184518\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-184518 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Dining-Restaurant-Featured-Paul-Rysz-Unsplash.png\" alt=\"European street with dining establishments on either side.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Dining-Restaurant-Featured-Paul-Rysz-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Dining-Restaurant-Featured-Paul-Rysz-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Dining-Restaurant-Featured-Paul-Rysz-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Dining-Restaurant-Featured-Paul-Rysz-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Paul Rysz\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-dining\/\" rel=\"noopener\">Best Credit Cards for Dining & Restaurants<\/a><\/strong><\/p>\n<h3><span id=\"Points_expire_now_too\">Points expire now, too<\/span><\/h3>\n<p>The bad news doesn\u2019t stop there. U.S. Bank has announced that starting April 14, 2025, points will expire &#8220;<em><strong>if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.<\/strong><\/em>&#8221;<\/p>\n<p>For U.S. Bank cardholders who use their cards regularly, this change won't be an issue. But if you\u2019ve &#8220;sock drawered&#8221; this card, this policy is something to be mindful of.<\/p>\n<p>It\u2019s worth noting that this new policy won't affect points earned before April 14. Only points earned on or after April 14 will be subject to expiration due to inactivity.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>These are not great changes, but lucrative and uncapped rewards like this rarely last in the points and miles world. That\u2019s because savvy individuals often maximize rewards for a particular offer, costing the bank significant money. That is potentially what has happened here as well.<\/p>\n<p>By capping rewards each quarter, U.S. Bank can preserve the core benefit of the Altitude Go while trimming what it spends on the rewards program.<\/p>\n<p>As a gentle reminder, these changes take effect on <strong>April 14, 2025<\/strong>, so now is a good time to <a target=\"_blank\" href=\"\/credit-cards\/assess-your-credit-card-portfolio\/\" rel=\"noopener\">evaluate your wallet<\/a> to see how the Altitude Go (and other U.S. Bank cards in general) fit into your <a target=\"_blank\" href=\"\/credit-cards\/long-term-credit-card-strategy\/\" rel=\"noopener\">long-term credit card strategy<\/a>.<\/p>\n<div class=\"qs-card\" data-id=\"4048222\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/bae5bb92-bcc8-4f67-82e0-9b7d04f318ac.png\" width=\"150\" alt=\"U.S. Bank Altitude\u00ae Go Visa Signature\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048222\" href=\"https:\/\/awardwallet.com\/credit-cards\/us-bank-altitude-go\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card offers 4X points on dining, takeout, and restaurant delivery; 2X points at grocery stores, gas stations\/EV charging stations, and on streaming services; and 1X point on all other eligible purchases. Cardholders also receive a $15 annual streaming service credit after 11 consecutive months of streaming purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>4X points on takeout, food delivery and dining (on up to $2,000 spent each quarter)<\/li>\r\n<li>2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and on streaming services<\/li>\r\n<li>1 point on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USAltitudeGo\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Changes_Coming_to_the_Altitude_Go_Card\">Changes Coming to the Altitude Go Card<\/a><ul><li><a href=\"#US_Bank_to_cap_the_Altitude_Go8216s_dining_rewards\">U.S. Bank to cap the Altitude Go&#8216;s dining rewards<\/a><\/li><li><a href=\"#Points_expire_now_too\">Points expire now, too<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The U.S. Bank Altitude\u00ae Go Visa Signature\u00ae Card has been a favorite for earning 4X rewards on dining, but starting April 14, 2025, this benefit will be capped. Here\u2019s a look at this update and the new points expiration policy that could impact how you use and manage your rewards.<\/p>\n","protected":false},"author":97,"featured_media":194000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12782],"coauthors":[36469],"class_list":["post-193995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-us-bank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/193995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=193995"}],"version-history":[{"count":15,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/193995\/revisions"}],"predecessor-version":[{"id":256740,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/193995\/revisions\/256740"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/194000"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=193995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=193995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=193995"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=193995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}