U.S. Bank Altitude Go Secured Visa Review

Earn up to 4× rewards while rebuilding credit—no annual fee, streaming credit, and global card access.

If you’re working to build or rebuild credit without sacrificing value, the U.S. Bank Altitude Go Secured Visa Card brings both structure and rewards. This secured option requires a refundable deposit, just like traditional secured cards, yet stands out by delivering elevated points on your most common expenses—from dining to streaming—while maintaining disciplined, credit-building fundamentals.

Beyond just helping you establish a stronger credit history, this card rewards smart everyday spending, includes a small but thoughtful streaming credit, and even waives international transaction fees—making it both practical and valuable.

Rewards Meet Credit Building: U.S. Bank Altitude Highlights

9 Key Features of the Altitude Go Secured Visa Card

1. Robust Points on Everyday Spending
   Earn up to 4× points per dollar on dining, takeout, and restaurant delivery for the first $2,000 spent each quarter. These are frequent purchases for many households, allowing you to build rewards consistently as you build credit.
   
2. Bonus Points in Essential Categories
   Receive 2× points per dollar at grocery stores, EV charging stations/gas stations, and for streaming services. These categories align with regular monthly habits, meaning most of your consumption builds real value.
   
3. Baseline Reward on All Other Purchases
   Every other eligible transaction earns 1× point per dollar—with clear, ongoing reward potential across your spending.
   
4. Annual Streaming Service Statement Credit
   Once you charge eligible streaming services for at least 11 months in a year, you unlock a $15 annual statement credit. It’s a pocket-friendly benefit that offsets recurring entertainment costs.
   
5. No Annual Fee
   This secured card costs nothing to maintain—every dollar you spend or pay goes towards building credit and earning value.
   
6. Security Deposit Equals Credit Limit
   Your deposit—anywhere from $300 to $5,000—is held securely and becomes your credit limit. Responsible use can lead to a product upgrade and full deposit return.
   
7. Credit Reporting and Potential Graduation
   U.S. Bank reports activity to all three major credit bureaus and monitors usage patterns for possible automatic upgrade to the unsecured Altitude Go Visa Signature Card.
   
8. No Foreign Transaction Fees
   Travel or international spending? No worries. Enjoy global usability without the usual extra costs.
   
9. Reliable Fraud Protection
   You’re covered by zero liability policies against unauthorized charges, giving peace of mind no matter where you use your card.
   

Who’s the Altitude Go Secured Right For?

• Credit Builders and Rebuilders
  Those establishing or bouncing back from credit challenges will benefit most.
  
• Everyday Spenders Seeking Value
  Dining frequently, streaming a lot, or routine grocery/gas purchases maximize rewards.
  
• People Avoiding Annual Fees
  Zero maintenance costs help ensure more value flows into credit building and rewards.
  
• International Travelers or Purchasers
  Use freely abroad with no foreign transaction fees.
  
• Those Willing to Deposit Responsibly
  You need to lock in a deposit, but that money is fully refundable with smart use.
  
• Prospective Card Upgraders
  Those planning to transition toward an unsecured product once credit improves.
  

How to Use the Altitude Go Secured Wisely

1. Choose Your Deposit Amount
   Select a refundable deposit within $300–$5,000 to set your limit.
   
2. Apply and Activate
   Once approved and activated, you’re ready to earn rewards immediately.
   
3. Focus Your Spending in Bonus Categories
   Maximize cards’ earning power with dine-in, takeout, groceries, EV/gas, and streaming.
   
4. Pay in Full Every Month
   Avoid the high APR; keep balances zero to truly benefit from the card’s perks.
   
5. Use the Streaming Credit
   Track your eligible purchases to secure that $15 annual statement credit.
   
6. Monitor Credit Growth
   Watch how responsible habits influence your credit score over time.
   
7. Graduate to Unsecured When Eligible
   If upgraded, you can unlock full flexibility and get your deposit back.
   

Frequently Asked Questions

Is there a welcome bonus?
No. The value lies in everyday rewards and credit-building, not upfront bonuses.

What’s the APR like?
The variable APR is currently around 29.24%—so paying off each balance in full is critical.

Is there a security deposit?
Yes—the amount ranges from $300 to $5,000, and is fully refundable upon graduating or closing in good standing.

Altitude Go Secured: Where Rewards Empower Credit Growth

The U.S. Bank Altitude Go Secured Visa Card blends the discipline of secured credit building with smart, everyday rewards. It’s not about fast cash back—it’s about growing smartly, comfortably, and credibly. For anyone seeking a structured but rewarding path to solid credit, this card is a top-tier choice.