U.S. Bank Altitude Go Secured Visa Review

Rebuild credit with everyday rewards—up to 4× points, $15 streaming credit, and no annual fee—smart and structured.

The U.S. Bank Altitude Go Secured Visa Card offers a rare combination: a secured card designed for credit building, yet packed with rewards typically found only on premium unsecured cards. You supply a security deposit to set your credit limit but earn points on everyday spending from day one. It’s tailor-made for individuals who need to rebuild or establish credit but don’t want to sacrifice value or lifestyle perks.

With thoughtful features like bonus point categories, a streaming credit, and zero annual fee, the card provides both discipline and reward. It’s a practical yet rewarding step toward better credit and financial freedom.

Build Credit While Earning—Altitude Go Secured at a Glance

9 Highlights of the Altitude Go Secured Visa Card

1. Impressive Rewards on Everyday Spending
   Earn 4× points per dollar on dining, takeout, and restaurant delivery during the first $2,000 in spend each quarter. These are common purchases, meaning you’ll accumulate points quickly while rewarding yourself for routine spending.
   
2. Bonus Earning in Common Categories
   Earn 2× points per dollar at grocery stores, gas stations (including EV charging), and on eligible streaming services. This wide coverage ensures that the majority of your monthly expenses build your rewards balance.
   
3. Everyday Base Earnings
   Get 1× point per dollar on all other eligible purchases, keeping reward accumulation steady across the board.
   
4. Annual Streaming Service Credit
   Receive a $15 statement credit annually if you make at least 11 months of streaming purchases during a 12-month period. A simple but effective perk that offsets part of your entertainment costs.
   
5. No Annual Fee
   The card carries zero annual fee—an excellent trait for a secured card offering rewards.
   
6. Flexible Payment Management
   Choose your monthly payment due date and set up autopay to avoid missed payments. These conveniences support healthy credit habits, a cornerstone of rebuilding.
   
7. Zero Fraud Liability
   Unauthorized charges are not your responsibility. This solid protection lets you use your card confidently.
   
8. Structured Security Deposit / Credit Limit
   Your credit limit equals your refundable security deposit, ranging between $300 and $5,000. This deposit secures the line but is fully returned when you graduate to an unsecured card or close the account in good standing.
   
9. Credit Reporting and Upgrade Potential
   U.S. Bank reports your activity to all three major credit bureaus—TransUnion, Experian, and Equifax—helping you rebuild your credit profile. With responsible use, you may automatically qualify to upgrade to the unsecured Altitude Go Visa Signature Card and recover your deposit.
   

Who Can Apply for Altitude Go Secured?

• Individuals Building or Rebuilding Credit
  Especially helpful for applicants with limited or poor credit histories seeking structured improvement.
  
• Applicants Able to Provide a Security Deposit
  You’ll need to post a refundable deposit—starting at $300 up to $5,000.
  
• U.S. Residents with Valid Documentation
  Must meet typical eligibility criteria (age, Social Security Number, U.S. address).
  
• Users Seeking Reward Value
  Ideal for those who want both responsible structure and tangible perks.
  
• Disciplined Spenders
  Best suited for individuals willing to pay balances on time to maximize benefits.
  
• Potential Graduates to Unsecured Card
  Those hoping to eventually switch to a fee-free, reward-rich unsecured card after building credit.
  

How to Apply for the Altitude Go Secured Card

1. Decide on a Deposit Amount
   Choose an amount between $300 and $5,000 that fits your budget—this becomes your credit limit.
   
2. Submit Your Application
   Apply through U.S. Bank’s website or in person. Be prepared for a hard credit inquiry.
   
3. Begin Responsible Usage
   Use the card for regular purchases, especially in bonus categories.
   
4. Set Up Autopay and Choose a Due Date
   Align your payment schedule with income flow to avoid late fees.
   
5. Make Streaming Purchases for the $15 Credit
   Maintain 11 out of 12 months of streaming spending to earn the credit.
   
6. Watch for Credit Bureau Reporting
   Your positive usage will begin to reflect in your credit score over time.
   
7. Earn an Upgrade (If Eligible)
   Keep an eye on notifications from U.S. Bank—strict usage and timely payments may lead to an upgrade to the unsecured version.
   

Frequently Asked Questions

Is there a welcome bonus?
No—there is no initial bonus offer with this secured card.

Are there any fees or foreign transaction charges?
There’s no annual fee, and no foreign transaction fees make it suitable for occasional international use. 

What’s the APR like?
A variable APR applies—typically high—so avoid carrying a balance unless necessary.

How do I use my points?
Points can be redeemed for cash back or travel, and you can use Real-Time Rewards to offset purchases instantly if eligible. 

Altitude Go Secured: Smart, Rewarding, and Strategic

The Altitude Go Secured card stands out among secured credit options by blending powerful everyday rewards, thoughtful perks, and credit-building structure into one. With no annual fee, flexible deposit-based limits, and wide-ranging bonus categories, it gives cardholders both reward potential and financial discipline.