US Bank Altitude Go Visa Signature

The Altitude Go is a straightforward no-annual-fee dining card: 4x points at restaurants on up to $2,000 per quarter, plus 2x on groceries, gas, and streaming. A 20,000-point bonus after $1,000 in spend and 15 months of 0% intro APR on purchases and balance transfers make the first year easy to justify, though balance transfers must be made within 60 days and carry a 5% fee. The tradeoff is a foreign transaction fee, which is a drawback if you plan to use it abroad. Everything outside the bonus categories earns just 1x, and the $15 streaming credit requires 11 months of streaming activity, so treat it as a minor extra rather than a reason to apply.