Compare it to the U.S. Bank Altitude® Go Visa Signature® Card
If you’re looking for a higher rewards rate on dining out for a $0 annual fee, the U.S. Bank Altitude® Go Visa Signature® Card offers just that. Cardholders earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
However, the Capital One SavorOne Cash Rewards Credit Card has the edge on entertainment, which is ideal if the bulk of your spending is on tickets and events. Plus, while the U.S. Bank Altitude® Go Visa Signature® Card offers a similar sign-up bonus, it comes with a much higher spending requirement. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
The U.S. Bank Altitude® Go Visa Signature® Card also offers an intro APR of 0% for 12 billing cycles on purchases, after which an APR of 18.24% - 29.24% (variable) will apply. On balance transfers, there’s an intro APR of 0% for 12 billing cycles on balance transfers. A 18.24% - 29.24% (variable) APR applies after. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.
It basically comes down to purchase habits. If you tend to spend more on takeout, food delivery and dining than you do on entertainment, the U.S. Bank Altitude® Go Visa Signature® Card’s rewards rate makes more sense.