US Bank Altitude Connect

For a card with no annual fee, the Altitude Connect carries unusual travel extras: a $100 Global Entry or TSA PreCheck credit every five years, a complimentary 12-month Priority Pass Select membership, and no foreign transaction fees. The earn rates hold up too, at 5 points per dollar on hotels and car rentals booked through the U.S. Bank portal, 4 on other travel and on gas and EV charging, and 2 at grocery stores, restaurants, and on streaming. Watch the gas cap: that 4x rate stops after $1,000 per quarter and falls to 1 point per dollar, the same as everything outside the bonus categories. The signup bonus is modest at 20,000 points after $1,000 in three months, so you're buying the ongoing rates and the lounge membership, not the opening offer. The 15 months of 0% intro APR on both purchases and balance transfers is a genuine bonus if you also have a balance to clear.