Quick verdict
Best for heavy diners who want the best no-af dining rate. Skip if you want transfer partners for maximum point value (altitude go points are cash-back only). if you have the amex gold and actually use its credits, the go is a step down.
🎁 Welcome bonus
20,000 bonus points (worth ~$200) after $1,000 spend in 90 days
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Dining | 4x | points |
| Groceries | 2x | points |
| Gas & EV charging | 2x | points |
| Streaming | 2x | points |
| Travel | 2x | points |
| Everything else | 1x | points |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($30 total face value)
| $30 annual streaming credit (For qualified streaming subscriptions) | $30 |
Credit value depends on you actually using them. Many credits are split monthly or semi-annually, so factor in your usage habits before counting them against the AF.
✨ Perks
- 4x points on dining — the highest no-annual-fee dining rate available
- 2x on groceries, gas, streaming, and travel
- No annual fee
- 0% intro APR for 12 billing cycles on purchases and balance transfers
- $30 annual streaming credit (reimbursed for 6+ streaming services)
- No foreign transaction fees
🎯 Who should consider this card
✅ Best for
- Heavy diners who want the best no-AF dining rate
- People who value a 0% intro APR alongside rewards
- Streaming subscribers who'll use the $30 annual credit
❌ Skip if
You want transfer partners for maximum point value (Altitude Go points are cash-back only). If you have the Amex Gold and actually use its credits, the Go is a step down.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.