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U.S. Bank Altitude Go Visa Secured Card Review: Tons of Rewards Points and No Annual Fee

Review Updated
Brittney Myers
Author: Brittney Myers
Brittney Myers
Brittney Myers
Writer

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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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

OFFER STATUS

U.S. Bank Altitude Go Visa Secured Card is unavailable on Motley Fool Money. 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 Some items may be out of date.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.

Ratings Methodology

U.S. Bank Altitude Go Visa Secured Card

U.S. Bank Altitude Go Visa Secured Card
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. 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
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. 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.
Recommended Credit Score required for this offer is: Fair/New to Credit Under(669)
Credit Score Circle with letter I in it. 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

29.74%, variable

Rewards Circle with letter I in it. 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 on streaming services, 1x point per dollar on other purchases

1x - 4x points, $15 annual streaming credit

Annual Fee

$0

Welcome Offer

N/A

  • A refreshing, great pick for people looking to build credit and earn rewards at the same time.

    • Rewards points on purchases
    • Annual streaming credit
    • No annual fee
    • Can graduate to unsecured card
    • Minimum deposit
    • No new cardholder bonus
    • Earn 4X points on takeout, food delivery and dining
    • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services (excludes discount stores/supercenters and wholesale clubs)
    • $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 Motley Fool Money. 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 Circle with letter I in it. 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
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. 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.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. 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
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America'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 Motley Fool Money, 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 Motley Fool Money rates credit cards.