Earn rich rewards while building credit—4X points on dining and no credit score required.
The U.S. Bank Altitude Go Secured Visa Credit Card is an excellent entry point for individuals who want to build or rebuild their credit—without sacrificing valuable rewards. Unlike many secured credit cards, which focus solely on helping users establish credit history, the Altitude Go Secured also offers a robust rewards program that competes with premium cards.
Designed for those who may have limited or poor credit history, this secured card provides access to points on everyday spending, flexible redemption options, and the ability to upgrade over time. With features tailored to new credit users and frequent diners alike, the Altitude Go Secured is a smart, practical choice.
U.S. Bank Altitude Go Secured Visa
No Annual Fee Earn up to 4X pointsKey Benefits of the U.S. Bank Altitude Go Secured Card
1. 4X Points on Dining, Takeout, and Food Delivery
Cardholders earn 4 points per $1 spent at restaurants, fast food locations, and on food delivery services. Whether you’re grabbing lunch, ordering in, or dining out, this is one of the highest rewards rates available on a secured credit card in the U.S. market.
2. 2X Points on Groceries, Gas, and Streaming Services
Earn 2X points per $1 on purchases at grocery stores, gas stations, and on eligible streaming platforms. These everyday categories help cardholders build points quickly without altering their normal spending habits.
3. 1X Points on All Other Purchases
No matter where you shop, you’ll earn 1 point per $1 spent on all other eligible purchases. It’s a simple way to ensure that every transaction earns value, even outside of bonus categories.
4. Welcome Bonus Offer for Streaming Services
New cardholders receive a $15 credit for annual streaming service purchases after 11 consecutive months of eligible charges. This benefit is perfect for users subscribed to platforms like Netflix, Spotify, Hulu, or Disney+.
5. Secured Card That Builds Credit
The Altitude Go Secured Visa is a secured credit card, meaning you’ll provide a refundable security deposit that becomes your credit limit. It’s a reliable tool for establishing or repairing credit—especially since U.S. Bank reports to all three major credit bureaus.
6. Opportunity to Graduate to Unsecured
With responsible use over time, cardholders may be considered for an upgrade to the standard Altitude Go Visa, returning the deposit and transitioning to unsecured status. This provides a long-term growth path for users looking to improve their credit profile.
7. Full Digital Access and Card Control
Manage your account through the U.S. Bank mobile app or online banking portal, where you can monitor transactions, make payments, set spending limits, and receive account alerts. It’s built for convenience and control.
8. No Foreign Transaction Fees
Travelers will appreciate the fact that this card charges no foreign transaction fees, making it ideal for international travel or purchases made in foreign currencies online.
9. Fraud Protection and Security Features
The card includes $0 liability protection for unauthorized transactions, as well as security alerts, EMV chip technology, and optional card locking via the app—helping cardholders stay protected around the clock.
Qualification Requirements
To qualify for the U.S. Bank Altitude Go Secured Visa Credit Card, applicants typically must meet the following criteria:
- U.S. resident with valid SSN or ITIN
- At least 18 years old
- Willing to provide a refundable security deposit (minimum typically starts at $300)
- No recent bankruptcies or defaults
- Stable source of monthly income
There’s no minimum credit score required, making it accessible for credit beginners or those working to rebuild.
How to Apply for the Altitude Go Secured Card
The application process is simple and can be completed online in a few minutes:
- Visit the U.S. Bank Altitude Go Secured Card Page
- Click “Apply Now”
- Enter Your Personal and Financial Information
- Select Your Deposit Amount (Credit Limit)
- Review Terms and Submit Your Application
- Get a Decision—Typically Returned Promptly
If approved, your deposit will be collected, and the physical card will arrive shortly thereafter. Digital access may be available sooner through the mobile app.
Frequently Asked Questions (FAQs)
1. Is this card only for people with bad credit?
No. The Altitude Go Secured is suitable for anyone with limited, poor, or fair credit—especially those looking to earn strong rewards while building their profile.
2. How does the security deposit work?
You’ll provide a refundable deposit (typically $300 or more), which becomes your credit limit. If you upgrade or close your account in good standing, the deposit is returned.
3. Can I earn rewards on all purchases?
Yes. You earn 1X to 4X points on all eligible purchases, depending on the spending category.
4. Will my activity be reported to credit bureaus?
Yes. U.S. Bank reports to Equifax, Experian, and TransUnion, helping you build a credit history with responsible use.
5. Can I qualify without a credit score?
Yes. While having a score helps, U.S. Bank may still approve applicants with no credit history as long as other requirements are met.
