Altitude family is solid but distribution-limited — we cover sparingly.
Readers with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilities, cell phone, streaming, or fast food among them. The customizable 5% (up to $2,000 combined per quarter) is the highest capped rate on a $0-fee card when the categories match your bills.
Travelers who want a $0-fee card with real travel-category earning — 4x on travel and on gas/EV charging (capped $1,000/quarter), 2x on dining/streaming/groceries — plus a Global Entry/TSA PreCheck credit and no foreign transaction fee.
Existing U.S. Bank Visa Platinum cardholders keeping the card for its long 0% intro window and low intro balance-transfer fee. U.S. Bank closed the Visa Platinum to new applicants on 2025-03-17 and replaced it with the U.S. Bank Shield Visa — nobody can newly apply for this card today.
Scored against our published methodology. See methodology and disclosure.
