US Bank Altitude Go Visa Signature

The Altitude Go pairs 4 points per dollar on dining with no annual fee, which is a strong combination for anyone whose restaurant and takeout spending is the biggest line in their budget. Groceries, gas, and streaming all earn 2 points, and the 20,000-point bonus after just $1,000 in three months is one of the easier opening offers to hit. Two things temper it: the 4x dining rate is capped at $2,000 per quarter and drops to 1 point after that, and the card charges foreign transaction fees, so it should stay home on international trips. The $15 annual streaming credit requires enrollment and 11 months of streaming activity, so treat it as a rounding error rather than a reason to apply. It shows up at #6 on our best cards for dining and groceries and as a beginner-friendly pick on the travel list, and that's about right: a simple, free card to anchor everyday spending, helped along by 15 billing cycles of 0% intro APR on purchases and balance transfers.