US Bank Altitude Connect

The Altitude Connect pairs genuinely useful travel earning with no annual fee: 4x points on travel, 4x on gas and EV charging, and 5x on prepaid hotels and car rentals booked through U.S. Bank's portal. It adds perks you rarely see at this price, including a complimentary 12-month Priority Pass Select membership, up to $100 toward Global Entry or TSA PreCheck every five years, and no foreign transaction fees. A 0% intro APR on purchases and balance transfers for 15 months and a 20,000-point bonus after $1,000 in spend round out the first year. The catch is the gas rate is capped at $1,000 per quarter before it falls to 1x, and the Priority Pass membership lasts only 12 months, so the lounge access is a first-year perk rather than an ongoing one. Groceries, dining, and streaming earn 2x and everything else 1x, which makes this a good fee-free travel and commuting card rather than an all-purpose one.