Review
Updated
OFFER STATUS
U.S. Bank Altitude Go Visa Secured Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Building credit doesn't mean missing out on rewards points. The U.S. Bank Altitude Go Visa Secured Card earns up to 4x points per dollar on eligible purchases. A flexible deposit and no annual fee make this a highly competitive secured credit card. Check out our U.S. Bank Altitude Go Visa Secured Card review for more details.
U.S. Bank Altitude Go Visa Secured Card
Rating image, 4.75 out of 5 stars.
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.75 out of 5 stars.
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Fair/New to Credit Under(669)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
29.99%, variable
Rewards Earn 4x points per dollar on dining (including takeout), 2x points per dollar on groceries, 2x points per dollar on gas stations, 2x points per dollar streaming services, 1x point per dollar on other purchases
1x - 4x points, $15 annual streaming credit
Annual Fee
$0
Welcome Offer
N/A
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A refreshing great pick for people looking to build credit and earn rewards at the same time.
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- Rewards points on purchases
- Annual streaming credit
- No annual fee
- Can graduate to unsecured card
- Minimum deposit
- No new cardholder bonus
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- Earn 4X points on takeout, food delivery and dining
- Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
- $15 credit for annual streaming service purchases such as Netflix and Spotify
- 1X point per $1 on all other eligible purchases
- Points never expire
U.S. Bank Altitude Go Visa Secured Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Full U.S. Bank Altitude Go Visa Secured Card review
This credit card is a good fit for: Anyone who wants to earn rewards points while they build or improve their credit.
Top perks
This card has a ton of perks, especially for a secured credit card.
Up to 4x points per dollar on purchases
One of the great perks to the U.S. Bank Altitude Go Visa Secured Card is its big purchase rewards. You'll earn 1x per dollar in base rewards points for purchases, plus bonus rewards in popular categories:
- 4x points per dollar on dining (including takeout)
- 2x points per dollar at grocery stores
- 2x points per dollar at gas stations
- 2x points per dollar on streaming services
- 1x points per dollar on all other eligible purchases
You can redeem points for everything from travel and merchandise to cash back and gift cards. Rewards points never expire so long as your account remains current and in good standing.
Read more: Best Gas and Groceries Credit Cards
$15 annual streaming credit
Not only does this card earn rewards on streaming, but it also comes with an annual streaming bonus. You'll get $15 in statement credit every 12 months. Eligible streaming services include popular providers like Netflix, Hulu, and Apple Music.
The credit will post within two billing cycles of becoming eligible. You'll need to have 11 consecutive monthly payments to the same streaming service to earn the bonus credit.
Read more: Best Credit Cards for Streaming Services
No annual fee
The rewards may be the big draw for this card, but it isn't the only thing that makes it stand out. Another great thing about the U.S. Bank Altitude Go Visa Secured Card is that there is no annual fee. Like rewards, this is an uncommon perk for a secured credit card. Some secured cards charge annual fees up to $49 -- or even more. So you won't waste money on annual fees while waiting to move up to an unsecured card.
Graduate to an unsecured card
Secured credit cards are meant to build credit -- but then what? Instead of having a secured card forever, or having to close your account, the U.S. Bank Altitude Go Visa Secured Card can graduate to an unsecured credit card. This happens automatically when U.S. Bank feels you're ready. Your deposit will be fully refunded to you when you are upgraded to an unsecured card.
The best way to qualify is to pay your bill on time every month and keep your credit card balance low.
Learn more: Best Credit Cards for Dining and Restaurants
What could be improved
Although it has a lot of perks, this card does have some downsides worth noting.
High minimum deposit
As a secured credit card, the U.S. Bank Altitude Go Visa Secured Card does require a deposit to open. Your credit limit will be equal to the size of the deposit. The minimum deposit for the U.S. Bank Altitude Go Visa Secured Card is $300. This is higher than that for many similar secured cards. Some cards have deposits as low as $49. A $200 minimum deposit is typical.
On the other hand, the maximum deposit amount is $5,000, which is also fairly high for a secured card. This could potentially unlock a credit limit of up to $5,000.
No sign-up bonus or intro APR
The U.S. Bank Altitude Go Visa Secured Card doesn't offer any kind of new cardholder offer. This means you won't earn a sign-up bonus. Nor will you receive a 0% introductory APR.
These offers have become pretty standard for unsecured credit cards. They are rare -- but not unheard of -- among secured cards. Given the robust purchase rewards from this secured card, the lack of a bonus is not surprising.
Suggested credit score
The U.S. Bank Altitude Go Visa Secured Card does not have a minimum credit score for approval. This is a secured credit card, so it's made for people who are building or rebuilding credit.
U.S. Bank Altitude Go Visa Secured Card is right for you if:
Choose the U.S. Bank Altitude Go Visa Secured Card if you need to build credit, but still want to earn rewards points. You'll get up to 4x points per dollar on many everyday purchases. Plus you'll pay no annual fee. It does a high have a minimum deposit requirement, though, so you may want to look at other options if you intend to deposit a smaller amount. But it's still a very good option for credit builders.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
Our Credit Cards Expert
Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. Brittney Myers has positions in Netflix. The Motley Fool has positions in and recommends Apple, Mastercard, Netflix, Target, U.S. Bancorp, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.