It’s a dining rewards powerhouse
The card's 4X rate on dining, paired with no annual fee, is essentially best in class. To be sure, you can find other cards that earn that rate at restaurants — for instance, the Capital One® Savor® Cash Rewards Credit Card or the American Express® Gold Card. (Terms apply —see rates and fees.) But with both of those cards you'll have to pay an annual fee.
And while 5X back on restaurants is often an option on some no-annual-fee credit cards with rotating rewards, there's often a cap on those rewards, and restaurant spending might not always be an option.
Among rewards credit cards with no annual fee, few products, if any, match the U.S. Bank Altitude® Go Visa Signature® Card for dining.
Very few fees
As noted, you won’t pay an annual fee to carry this card. But also, unlike some other $0-annual-fee credit cards, you'll avoid foreign transaction fees when you use your card abroad. (And since it's a Visa Signature, it'll be widely accepted internationally.) Lastly, the card also offers a 0% intro APR period: 0% intro APR for 12 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.24%-29.24% Variable APR.
Statement credits for streaming
If you subscribe to an eligible streaming service, you’ll get a little bit of cash back each year if you charge it on your U.S. Bank Altitude® Go Visa Signature® Card. An annual credit of $15 will be automatically added to your statement for streaming services like Netflix, Spotify, Peaco*ck or YouTube TV, to name a few.
It's not an immediate, upfront benefit. The credit comes annually, not monthly, and you'll receive it only after you've charged 11 consecutive months of eligible streaming expenses. Still, an automatic $15 credit on a $0-annual-fee card isn’t too shabby.
A healthy bonus
While some $0-annual-fee credit cards don’t offer a bonus to get started, U.S. Bank Altitude® Go Visa Signature® Card offers the following: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
That’s worth $200, which is pretty solid for a no-annual-fee card.
