Looking to rebuild or establish credit? The Altitude Go Secured Visa® Card combines $0 annual fee with robust rewards on everyday spending, making it one of the most rewarding secured cards available. Your credit limit is determined by your refundable deposit—no surprises, just credit-building potential and ongoing value.
🎁 Rewards That Really Reward
- 4X points per $1 on dining, takeout, and restaurant delivery (on the first $2,000 each quarter).
- 2X points at grocery stores, gas stations, EV charging, and on streaming services.
- 1X point on all other eligible purchases.
- Enjoy a $15 annual statement credit on eligible streaming service spending (e.g., Netflix, Hulu, Spotify).
- Points redeem for travel, gift cards, cash back into your U.S. Bank account, or merchandise at a rate of 1¢ per point. Real-Time Rewards can offset purchases instantly by text.
💸 Credit Building with Transparency
- Minimum security deposit: $300, up to $5,000, equal to your credit limit.
- $0 annual fee and no foreign transaction fee.
- Reports to Equifax, Experian, and TransUnion to help boost your credit with on-time payments.
- Automatic reviews at ~12 months may result in upgrading to the unsecured Altitude Go Visa Signature® card, returning your deposit.
🔐 Features, Tools & Protections
- EMV chip and contactless tap ready.
- Choose a billing due date that fits your schedule, plus autopay reminders help you avoid late payments.
- Backed by Zero Fraud Liability for unauthorized charges.
- Access your TransUnion VantageScore via the U.S. Bank mobile app and online banking.
📄 Terms & Practical Tips
| Feature | Detail |
|---|---|
| Annual Fee | $0 |
| Security Deposit | $300–$5,000, refundable |
| Rewards | 4X/2X/1X points with streaming credit |
| Point Value | 1¢ per point |
| APR | ~29.24% variable; no 0% APR offer |
| Foreign Transaction Fee | $0 |
| Upgrade Potential | Automatic review after ~12 months to graduate |
💡 Expert Tip: Make small monthly purchases and pay them off immediately to maximize rewards and avoid interest. Plan to upgrade after a year and recover your deposit.
✅ Ideal For & Who Should Consider Alternatives
Ideal If You:
- Want a secured card that actually earns rewards, not just builds credit.
- Spend regularly on dining, groceries, streaming, gas, or EV charging.
- Prefer no annual fee, streaming credits, and automatic upgrade potential.
Alternative If You:
- Only care about credit building and prefer flat-rate cashback cards—you might also consider U.S. Bank’s Secured Visa or Discover it® Secured.
- Need introductory APR offers for debt consolidation—this card does not offer that.
🚀 How to Apply — Step by Step
- Visit the U.S. Bank Altitude Go Secured Visa® Card page on U.S. Bank’s website.
- Click “Apply Now” and complete the application with personal details, contact information, and employment status.
- Make a security deposit of at least $300 via checking/savings account to fund your secured credit line.
- Confirm your credit line—it will equal the amount of your deposit.
- Use the card, make on-time payments, and monitor your rewards and credit building through U.S. Bank’s portal or app.
- Renew streaming purchases for 11 continuous months to receive the $15 annual streaming credit.
- After ~12 months, U.S. Bank may upgrade your account to the unsecured Altitude Go Visa Signature® Card, returning your deposit.
🎯 Final Verdict
For a secured card with real value—not just plastic and reporting—the U.S. Bank Altitude® Go Secured Visa® Card stands out. It offers tiered rewards, zero fees, streaming credits, and a clear path to graduation. Ideal for anyone looking to responsibly rebuild credit and earn through everyday spend.
Apply today to start earning points and building your financial future.
