Credit Cards · August 2026
U.S. Bank states its card APR on a separate terms page
An AI agent ran five ordinary credit cards tasks on the public pages of U.S. Bank and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Issuer
72/100
Mystery Agent score
Credit Cards · rank 13 of 25
Purchase APR
82Served as text
Card comparison
88Served as text
Pricing and terms
91Served as text
Welcome offer
85Served as text
Application page
15Arrives after scripts
Summary
- The Altitude Go card's Terms and Conditions page publishes a complete rate and fee disclosure, reachable with a single click.
- An automated reader compared the Altitude Go card's dining and travel points with the Cash+ card's customizable 5% cash-back categories.
- The Altitude Go product page renders its ongoing purchase APR as an unresolved template placeholder rather than a percentage figure.
U.S. Bank also appears in the Deposits study, where it scores 57 and ranks 15 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Purchase APRServed as text82 out of 100
The Altitude Go product page states its 0% introductory APR for 15 billing cycles but leaves the ongoing rate as a template placeholder; the Terms and Conditions page one click away resolves it to 17.49% to 27.49%.
Task 02Card comparisonServed as text88 out of 100
The Altitude Go Visa Signature earns 4 points per dollar on dining up to $2,000 per quarter and 2 points on groceries and gas, while the Cash+ Visa Signature earns 5% back on two cardholder-chosen categories.
Task 03Pricing and termsServed as text91 out of 100
The Terms and Conditions page for the Altitude Go card is a complete rate and fee disclosure served as plain HTML: 0% intro APR, then 17.49% to 27.49%, a $0 annual fee, and late fees up to $41.
Task 04Welcome offerServed as text85 out of 100
The Altitude Go page states a 20,000 bonus-point welcome offer for spending $1,000 in Net Purchases within the first 90 days of account opening, with bonus value, spend requirement, and time window all present in served text.
Task 05Application pageArrives after scripts15 out of 100
A plain fetch of the Altitude Go application link returned a 1,291-byte single-page-app shell titled Digital Banking, with 15 characters of visible text and zero input fields in the response.
Earn 20,000 bonus points. Just spend $1,000 in Net Purchases in the first 90 days.
The application page
What the account opening page states to a reader that runs no scripts.
1,291Bytes delivered
15Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The Terms and Conditions page for the Altitude Go card serves a complete, textbook Schumer box (APR, all fee categories, balance method, penalty terms) as plain readable HTML, reachable with a single click from the product page and needing no script execution to read.
- Card product pages state welcome offers, spend requirements and reward category percentages in clear visible text rather than behind interactive widgets, and llms.txt gives agents a large, well-labeled directory of card and education pages to navigate from.
- robots.txt takes a considered position on agent traffic: it explicitly Allows /llms.txt while disallowing many other paths, and it lists working sitemaps.
Opportunities
- The Altitude Go product page renders its ongoing purchase APR as an unresolved template placeholder rather than a percentage, so an agent reading only that page cannot answer the APR question; publishing the resolved rate in the page's static HTML, the way the Terms page already does, would close that gap in one place.
- The application entry point at onboarding.usbank.com currently serves a near-empty single-page-app shell on a plain GET, with no visible text and no form fields; a lightweight server-rendered summary of what the application will ask for would let agents preview the application page honestly before any interaction begins.
- The welcome offer is anchored to account-opening date rather than a stated calendar promotion window; publishing an explicit start and end date for the current offer would let agents timestamp it with full confidence.
Access
Every page the agent requested was delivered on the first attempt. An llms.txt file is published, which gives agent traffic a documented entry point.
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