U.S. Bank Altitude Go Secured Visa Review

Boost your credit with rewards on dining, streaming, and groceries—plus 0% fraud liability and no credit history needed.

The U.S. Bank Altitude Go Secured Visa Card is more than just a credit-building tool—it’s a full-featured rewards card designed for users who are just getting started or working on their financial comeback. Backed by a refundable security deposit, it offers the flexibility of a standard credit card with the added benefit of generous point-based rewards.

With no annual fee, bonus categories, and full access to the Visa network, this card provides the foundation needed to build strong credit without sacrificing value. Whether you’re a student, first-time cardholder, or someone repairing your score, it’s a smart step forward.

Earn Rewards Without Compromise – Altitude Go Secured

1. 4X Points on Dining

Cardholders earn 4X points per dollar on dining, takeout, and restaurant delivery—making it ideal for everyday food lovers. This high earning rate helps maximize value on your most frequent purchases while building a credit history at the same time.

2. 2X Points on Streaming, Gas, and Groceries

Earn 2X points per dollar at gas stations, grocery stores, and on eligible streaming services like Netflix and Spotify. These popular categories ensure you’re earning rewards on your essential spending, not just luxury items.

3. 1X Points on Everything Else

All other purchases earn 1X point per dollar, with no cap or limit. You’ll earn on every swipe, whether it’s a utility bill or a last-minute gift. This all-around value keeps your rewards flowing regardless of category.

4. No Annual Fee

This card comes with no annual fee, so every point earned goes directly to your benefit without eating into your budget. It’s a rare combination—credit-building potential and rewards, with zero maintenance cost.

5. Reports to All Three Bureaus

Each month, your payment activity is reported to Experian, Equifax, and TransUnion. This helps you establish or rebuild your credit profile with responsible use. Over time, good habits can lead to better financial products and opportunities.

6. Zero Fraud Liability

You’re protected against unauthorized charges with 0% liability, giving you peace of mind in case of fraud or theft. Use your card confidently, knowing your account is monitored and protected.

7. Refundable Security Deposit

The card is secured by a refundable deposit, typically starting at $300. This acts as your credit limit and can be returned when the account is closed in good standing. You get access to credit while keeping your cash safe.

8. Mobile and Online Access

Manage your account through the U.S. Bank mobile app or website. View transactions, pay your bill, and track your credit-building journey anytime. Full control in your hands helps promote financial discipline.

9. Access to U.S. Bank Benefits

As a U.S. Bank cardholder, you gain access to customer support, fraud protection tools, and exclusive offers from the bank’s partner network. You’re not just getting a card—you’re joining a reliable financial system.

Qualification Requirements

• Must Be a U.S. Resident: Applicants must have a valid U.S. address and Social Security number.
  
• 18 Years or Older: You must be the legal age of majority in your state to apply.
  
• Security Deposit Required: A minimum deposit of $300 is required to secure your credit line.
  
• Valid U.S. Bank Account: A checking or savings account is needed to fund the deposit and manage payments.
  
• No Recent Bankruptcies or Delinquencies: While credit isn’t the focus, a clean recent financial history improves chances.
  
• Verifiable Personal Information: Identity verification including address, income, and employment may be required.
  

How to Apply for the Altitude Go Secured

• Visit the Official U.S. Bank Website: Navigate to the Altitude Go Secured product page and begin your online application.
  
• Fill Out Your Personal Information: Provide your name, address, Social Security number, and income details.
  
• Select Your Deposit Amount: Choose a deposit (minimum $300) that will serve as your secured credit line.
  
• Fund Your Deposit: Link your U.S. Bank account or another U.S. checking account to transfer funds securely.
  
• Verify Identity and Submit: Upload any requested documents and confirm your application details.
  
• Wait for Approval Confirmation: Once approved and funded, your account is activated and ready for use.
  

Frequently Asked Questions

1. Do I need a credit history to apply?
No. This card is designed for people with limited or no credit history.

2. Can I get my deposit back?
Yes. Your deposit is refundable if you close the account in good standing with no outstanding balance.

3. What happens to my points?
Your earned points can be redeemed for cash back, gift cards, travel, or merchandise via the U.S. Bank Rewards Center.

4. Will this card help me build credit?
Absolutely. Your payment history and usage are reported monthly to all three major credit bureaus.