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U.S. Bank Altitude Go Visa Secured Card
Earn Points While Building Credit
- Earn 4X points on dining and takeout
- Earn 2X points on groceries, gas, and streaming services
- Earn 1X points on all other purchases
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 25.99% variable based on the Prime Rate
- Balance Transfer APR: 25.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $300
At a Glance
The U.S. Bank Altitude Go Visa Secured Card offers 4X points on dining and takeout, 2X on groceries, gas, and streaming, and a $15 streaming statement credit – all for no annual fee. Cardholders also have the opportunity to automatically graduate to the unsecured Go Visa Signature with good financial habits and credit score growth.
Ideal for Those Who:
- Have bad credit or no credit history
- Want the chance to graduate to a lucrative no annual fee, unsecured rewards card
- Want to earn 4X points on dining
- Don’t want to pay an annual fee or foreign transaction fees
U.S. Bank Altitude Go Visa Secured Card Review
The U.S. Bank Altitude Go Visa Secured Card is an exciting offering in the U.S. Bank Altitude credit card roster. The card provides the same sky-high rewards as the unsecured version of the Go, but with a reasonable minimum deposit and lower credit score requirements.
Set Your Credit Limit
Secured credit cards are a great entry point into the credit card world because they feature lower credit score requirements than unsecured cards. These lower credit score requirements come from the security deposit that acts as collateral for the loan – and the credit limit.
With the U.S. Bank Altitude Go Visa Secured Card, credit limits run from $300 to $5,000. Your credit limit will depend on your initial deposit, but that credit line can increase with further deposits – up to the $5,000 maximum.
Build Credit and Earn Impressive Rewards
Many secured credit cards offer little beyond the chance to build credit. As more and more issuers place a greater emphasis on their credit-builder credit card portfolio, rewards are becoming a more prominent feature. The Altitude Go Visa Secured is the latest offering to provide impressive rewards while establishing a positive credit history.
What are the categories where the Altitude Go shines? The Go Visa Secured earns 4X points on all purchases in the dining, food delivery, and takeout categories.
Cardholders also earn 2X points on grocery store and grocery delivery purchases. The 2X category doesn’t stop there, however. The Go also receives 2X points on gas station and streaming service purchases. All other purchases with the card earn a single point per dollar spent.
Those rewards are the same as the unsecured Go Visa Signature. And while the secured version might not feature the 0% intro APR or introductory spending bonus, it is still a hugely impressive rewards card for people with bad credit or no credit history at all.
How to Redeem Points
Like other U.S. Bank rewards cards, the Altitude Go Secured lets cardholders redeem their points towards:
- Cash back
- Statement credits
- Gift cards
One of the nice things about U.S. Bank Rewards is that points never expire. Given the decent point-per-dollar earning rate of the Go Altitude, it shouldn’t take long to amass an impressive haul of points. Cardholders also have access to U.S. Bank real-time rewards, which allows them to redeem points for purchases anywhere.
Graduate to the Unsecured Altitude Go Visa Signature
While the rewards with Altitude Go Visa Secured are impressive, they likely won’t amount to a huge pile of points given the small credit limits tied to the cash deposit. Fortunately, U.S. Bank offers the opportunity to graduate to an unsecured version of the card with on-time payments and good financial habits.
Cardholders that spend within their limits, pay their monthly minimum balance due, and demonstrate good financial habits may automatically graduate to the U.S. Bank Altitude Go Visa Signature Card. If they graduate, they’ll recover their security deposit and enjoy all the benefits of an unsecured rewards credit card.
Monitoring credit health is made easy thanks to complimentary access to the accountholder’s VantageScore each month. And, since U.S. Bank reports to all three major credit bureaus (Experian, Equifax, and TransUnion) each month, building credit with the card is easy if you provide the right ingredients (with common sense and responsible use the big two).
Added Perks with the Altitude Go Visa Secured
The card comes with some added perks that U.S. Bank hopes set it apart from other secured credit competitors. Chief among these perks is a $15 statement credit for streaming services. This credit, however, only applies once per year. A $15 statement credit likely won’t set the world alight – especially as it requires 11 consecutive months of eligible streaming service purchases with the card – still, it’s an impressive feature for a secured credit card.
Beyond the streaming services credit, the Go Secured comes with the typical U.S. Bank and Visa credit card features, which include:
- Visa Auto rental collision damage waiver
- Extended warranty protection
- Zero Fraud Liability
- 23/7 customer service
- Choose your payment due date
- EMV chip and contactless payment technology
- No annual fee and no foreign transaction fees
Should You Apply for the U.S. Bank Altitude Go Visa Secured Card?
While the U.S. Bank Altitude Go Visa Secured is a secured credit card – it is a very impressive secured card for those new to credit that want to build their way up to an excellent unsecured travel rewards credit card. U.S. Bank’s Altitude line has some of the most exciting rewards cards on the market, with the Altitude Reserve one of the best luxury cards available today. Therefore, having the chance to get in on the ground floor with the range is no small perk.
The card offers up to 4X points on purchases, a $15 streaming services statement credit, and no annual fee. Add to that no foreign transaction fees, however, and you have a secured card that offers versatility and value not only at home but anywhere in the world that accepts the Visa payment network.