U.S. Bank Altitude® Go

Yes, if dining is one of your biggest spending categories. Earning 4x points at restaurants on a $0 annual fee card is the main reason to carry the Altitude Go, and the extra 2x on groceries, gas, streaming, and EV charging gives it more day-to-day usefulness than a card that only shines at restaurants.

The tradeoff is that this is mostly a rewards play, not a perks card. There is no annual fee to offset, but there also are no listed statement credits, travel benefits, or other extras doing heavy lifting. If you want simple cash-value rewards and spend a lot on food, it is a strong fit. If you want premium benefits or a higher return on all non-bonus spending, you will likely want to pair it with another card or look elsewhere.