The U.S. Bank Altitude Go Secured Visa Card is a true game-changer, a card so packed with value it’s hard to believe it’s for people building their credit. This is, without a doubt, one of the most exciting and rewarding credit-building tools available today.
This card doesn’t just help you build a positive credit history; it actively rewards you for the spending you’re already doing. With a fantastic rewards program, a $0 annual fee, and a clear path to an unsecured card, the Altitude Go Secured Visa proves that you don’t have to settle for less while on your credit journey.
An Unbelievable Collection of High-Value Benefits
- Earn an Incredible 4X Points on Dining: This is the star of the show and a rate that is better than many premium travel cards with high annual fees. You will earn a phenomenal 4 points for every $1 spent on dining, takeout, and restaurant delivery. This makes it the perfect card for anyone who enjoys eating out.
- Get 2X Points on Everyday Essentials: The high earning rates continue with 2 points for every $1 spent at grocery stores (and grocery delivery), at gas stations and EV charging stations, and on eligible streaming services. It’s a rewards powerhouse for all your weekly errands.
- A Fantastic $0 Annual Fee: This is what makes the rewards program so amazing. You get access to this top-tier rewards structure without having to pay an annual fee, ever. All the value you earn is pure profit.
- Receive an Annual Streaming Credit: Enjoy up to a $15 credit applied directly to your statement each year. To qualify, simply make 11 consecutive months of streaming service purchases from eligible providers like Netflix, Spotify, or Apple Music. It’s a simple and valuable thank-you for your loyalty.
- Build a Powerful Credit History: This is the card’s foundational purpose. Your responsible payment history is reported monthly to all three major credit bureaus—Experian®, Equifax®, and TransUnion®. This is the essential process for building a strong credit profile that future lenders can trust.
- A Clear Path to an Unsecured Card: This is a huge long-term benefit. With a history of responsible use, U.S. Bank will automatically review your account for a potential upgrade to an unsecured Altitude® Go credit card. If you graduate, your security deposit is fully refunded to you.
- You Are in Control of Your Credit Limit: Your credit line is equal to your refundable security deposit, which you can set from $300 up to $5,000. This gives you full control and ensures you start with a manageable spending limit.
- Track Your Progress with a Free Credit Score: Stay on top of your financial health with free access to your credit score through your U.S. Bank online banking or mobile app.
- Visa® Protections and Conveniences: The card includes valuable benefits like Visa’s Zero Liability Protection against unauthorized charges, and it is compatible with all major digital wallets.
Who Can Get This Amazing Deal?
This card is designed to be highly accessible for those looking to build credit while earning incredible rewards. You can apply if you:
- Are at least 18 years of age.
- Are a U.S. resident with a valid physical address.
- Have a Social Security Number.
- Can provide a refundable security deposit of at least $300.
- Have a limited, poor, or even no credit history.
How to Apply
Getting started with the U.S. Bank Altitude® Go Secured Visa® is a simple online process.
- Visit the U.S. Bank Website: Navigate to the official Altitude® Go Secured Visa® Card application page.
- Complete the Application: Fill out the secure online form with your personal, contact, and financial information.
- Fund Your Security Deposit: If you are approved, you will need to provide your refundable security deposit. The amount you choose to deposit will become your credit limit.
- Receive and Activate Your Card: Once your card arrives in the mail, you’ll need to activate it. You can then begin making purchases and earning exceptional rewards while building your credit history.
Frequently Asked Questions
- How much are the points worth?
Each point is worth a flat 1 cent. This makes your rewards easy to understand: 4X points on dining is a 4% return, and 2X points on groceries is a 2% return. You can redeem your points for cash back, travel, gift cards, or merchandise. - Is this the best secured card for earning rewards?
For a majority of people, yes. Its combination of 4X points on dining and 2X points on other common spending categories with a $0 annual fee makes it arguably the best and most valuable rewards-earning secured card available on the market. - How does the $15 streaming credit work?
It’s an automatic process. After you have paid for an eligible streaming service with your card for 11 consecutive calendar months, a statement credit of up to $15 will be applied to your account within 1-2 billing cycles. - What happens to my security deposit when I “graduate”?
Once U.S. Bank determines you are eligible for an unsecured card and you are upgraded, your full security deposit is refunded to you. It is no longer needed as collateral for your account, and you get to keep the same account history, which is a great benefit for your credit score.
