U.S. Bank Altitude® Go Visa Signature®

4x points on dining, capped at the first $2,000 per quarter, is the highest dining rate on any no-fee card in this catalog — ahead of Chase Freedom Unlimited's 3% and Wells Fargo Autograph's 3x. The cap is generous for the category: $2,000 a quarter is around $667 a month of restaurant spending, which most households won't approach.

Under it sit 2x on groceries, gas and EV charging, and streaming, then 1x on everything else. Grocery coverage matters — it's the gap in Wells Fargo Autograph's otherwise wider list — and EV charging is a category almost no card in this catalog names explicitly.

A $15 annual statement credit for streaming isn't a large sum, but on a card with no annual fee it's straightforwardly positive: it covers roughly a month and a half of a typical subscription, arrives without conditions beyond having the spend, and doesn't need to be earned back.

Compare that to the credit structures on the premium cards in this catalog, which are worth far more nominally and require you to actually use a specific service on a specific schedule. A small credit you'll definitely capture beats a large one you might not.

APR is 17.49% to 27.49%, with the floor at the lower end of the catalog.

Nothing else in this catalog pays more than 3x on dining — not Chase Sapphire Reserve at $795, not Citi Strata Premier at $95, not Capital One Savor. This card pays 4x on a card with no annual fee, which for anyone who eats out regularly is the single strongest category rate on the site.

It applies to the first $2,000 of dining each quarter, about $667 a month. Past that it drops to the base rate — so the benefit is capped at 8,000 points a quarter, and what those are worth depends on U.S. Bank's redemption terms, which this catalog does not verify.

Groceries, fuel, EV charging and streaming all earn 2x with no cap recorded, so the card keeps earning after the dining allowance is spent and outside restaurants entirely. A $15 annual streaming credit sits alongside it.

Its sibling, Altitude Connect, pays 4x on fuel and general travel instead. Within U.S. Bank's own lineup the split is clean: this one if you eat out more than you drive, Connect if it is the other way round.

Nothing else in this catalog pays more than 3x on dining — not Chase Sapphire Reserve at $795, not Citi Strata Premier at $95, not Capital One Savor. This card pays 4x on a card with no annual fee, which for anyone who eats out regularly is the single strongest category rate on the site.

It applies to the first $2,000 of dining each quarter, about $667 a month. Past that it drops to the base rate — so the benefit is capped at 8,000 points a quarter, and what those are worth depends on U.S. Bank's redemption terms, which this catalog does not verify.

Groceries, fuel, EV charging and streaming all earn 2x with no cap recorded, so the card keeps earning after the dining allowance is spent and outside restaurants entirely. A $15 annual streaming credit sits alongside it.

Its sibling, Altitude Connect, pays 4x on fuel and general travel instead. Within U.S. Bank's own lineup the split is clean: this one if you eat out more than you drive, Connect if it is the other way round.