Altitude Go Card
No annual fee
20,000 points
$1,000 initial spend
($200 net value, .20/$)
Signup Bonus Chart4x on restaurants (4%)
2x on grocery and gas (2%)
2x on streaming services (1%)
1x Everything Else (1%)
No Foreign Transaction Fee
4% back on restaurant spending makes this a great option for someone who wants to optimize their spending, but doesn't want to pay annual fees or plan on using their points for frequent flyer tickets.
Note: You can't share points between your Altitude Reserve and Altitude Go cards or redeem Altitude Go points for more than 1 cent each.
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Collecting the Signup Bonus
This card is primarily interesting for its bonus categories, not for its signup bonus. The typical signup bonus is $200. The bonus offer is not that great, but it is a pretty nice side benefit for a no-annual-fee card that you might want for its bonus categories.
Notable Benefits
- Streaming bonus. If you use the card to pay for a streaming service for 11 months in a row, you'll receive a credit for the 12th month (up to $15 per year). Not much, but at least the card earns 2% rewards on the ongoing charges.
- Access to the Visa Signature Luxury Hotel Collection. As with all Visa Signature cards, you'll get access to Visa's luxury hotel program. Whenever you book one of the 900+ participating hotels, you'll receive a set of valuable benefits, including free breakfast, late check-out, and a $25 food and beverage credit. The Visa program has slightly weaker benefits than the other luxury hotel programs, but includes a larger number of more affordable hotel options and a best price guarantee. Take Advantage of Luxury Hotel Programs for Valuable Extra Perks.
- Access to Visa Signature Offers. Your card entitles you to a set of special offers available from Visa.
Bonus Categories
- The main reason to get this card is its 4x points on restaurant spending. It is the best no-annual-fee cashback option. Best Credit Cards for Restaurant Spending.
- The other bonus category reward rates are not very interesting. You should be earning at least as much with your general-purpose reward card and can do even better with a card that earns bonus rewards for these categories. And you never want to use this card for your everyday purchases.
Getting Rid of the Card
- Make sure to cash out your rewards balance before you cancel your card.
- Rather than cancelling your card, you may want to convert it to the Cash+ card. It earns 5% back on your choice of two categories and you can choose less common categories like Department Stores, Sporting Good Stores, and Utilities.
- You might be able to receive a retention offer to keep your card. It could be enough to make it worthwhile to keep the card.