U.S. Bank To Implement Earning Cap on U.S. Bank Altitude Go Card

U.S. Bank just announced a handful of negative changes to the U.S. Bank Altitude^® Go Visa Signature^® Card, which will take effect on April 14, 2025.

The main change significantly impacts the number of rewards you’ll be able to earn on the card’s top bonus category, making it less useful for everyday spending. Further, U.S. Bank will implement a point expiration policy.

Let’s take a look at the upcoming card changes.

Earning Cap on 4x Rewards

Many cardholders are fans of the U.S. Bank Altitude Go card because it earns 4x points per $1 spent on dining, including food delivery and takeout. This effectively offers you 4% back on these purchases, which is an extremely strong reward rate for a no-annual-fee card.

Starting April 14, 2025, you’ll only be able to earn these 4x rewards on your first $2,000 in spend on these purchases each quarter and 1x point per $1 spent thereafter.

If you don’t spend more than $667 on dining each month already, this change likely won’t affect you, but for those who dine out often, big spenders, or cardholders with a large family, it will significantly limit the amount of rewards you’re able to earn with the card.

No other changes are being made to how you earn rewards with the card, so even after April 14, 2025, you’ll continue to earn 2x points at grocery stores, gas stations, EV charging stations, and on streaming services, along with 1x points on all other purchases.

Points Will Now Expire

Additionally, U.S. Bank is adding a clause effective April 14, 2025, that states “any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.“

While this change is undoubtedly negative, it should be easily avoidable for most cardholders, assuming you use your U.S. Bank Altitude Go card periodically. This is because the 12-statement cycle expiration clock resets every time you earn new points. This change will not impact any points earned before April 14, 2025.

Final Thoughts

Again, while these changes are negative, the new rewards cap won’t impact you unless you spend more than $2,000 on dining per quarter. For those who do, you might consider adding another one of the best credit cards for dining to your wallet to ensure you’re earning as many rewards as possible at restaurants.

Remember that these changes do not take effect until April 14, 2025, so you have a few months to decide if that card still makes sense for you going forward.