US Bank Altitude Go Visa Signature

The Altitude Go pays 4 points per dollar on dining with no annual fee, which is the highest uncapped-in-practice restaurant rate most people will find without paying for the privilege, and it adds 2 points on groceries, gas, and streaming. The dining rate does carry a limit of $2,000 per quarter before dropping to 1 point per dollar, though that is $8,000 of restaurant spending a year and generous enough that most cardholders will never reach it. The opening offer is a straightforward 20,000 points after $1,000 in three months, and a 0% intro APR for 15 billing cycles covers purchases and balance transfers made within 60 days of opening, with a 5% transfer fee. The real catch is foreign transactions: this card charges a fee on them, so leave it home when you travel abroad despite its ninth-place spot on our Best Travel Credit Cards list, where it carries our Best for Beginners badge. Treat the $15 annual streaming credit as a minor extra and the card as a dining specialist, which is why it ranks sixth for dining and groceries.