Credit Cards (US)
U.S. Bank Altitude® Go Visa® Secured Card review
This U.S. Bank Altitude® Go Visa® Secured Card will show you how this card works and how it could help you build your credit while giving you points.
by Aline Augusto
Earn points and build your credit with a secured credit card
A secured card might be worth considering as your next addition to your wallet when you need to build credit. Check our U.S. Bank Altitude® Go Visa® Secured Card review, starting with the summary of perks and fees.
|Credit Score||All credit scores are considered|
|Fees||Balance Transfer, Convenience Check Cash Advance: 3% of the amount of each transaction or $5 minimum, whichever is greater|
Cash Advance ATM, Cash Advance, Cash Equivalent Advance: 5% of the amount of each transaction or $10 minimum, whichever is greater
Overdraft Protection: none
Foreign Transaction: none
Late Payment and Returned Payment: up to $41
|Rewards||4X points – dining, restaurant delivery, takeout|
2X points – streaming services, grocery stores, grocery delivery, gas stations, EV charging stations
1X point – on all other purchases
Plus $15 streaming credit for annual purchases
Also, as a Visa card, you know you can count on convenience and worldwide acceptance. So, learn how this secured card works and check out the list of pros and cons before applying for one.
How does the U.S. Bank Altitude® Go Visa® Secured Card work?
U.S. Bank offers some options for secured cards for those who need to build credit. The Altitude Go Visa is one of those options.
This card lets you choose the security deposit that best fits your finances from $300 to $5,000.
This deposit works as your credit limit, and it is refundable. Also, it is held in a secured savings account.
Furthermore, this U.S. Bank secured card offers points on every purchase you make, as follows:
- 4X points on dining, restaurant delivery, and takeout;
- 2X points on streaming services, grocery stores, grocery delivery, gas stations, and EV charging stations;
- 1X point on all other purchases plus a $15 streaming credit for annual purchases.
So, while you enjoy earning rewards, you can build credit since the bank reports to all three major bureaus. Using the card responsibly can lead you to a solid credit building.
The points never expire and you can redeem them for gift cards, merchandise, cash back, and travel.
The U.S. Bank Altitude® Go Visa® Secured Card offers additional benefits, including payment due date flexibility, autopay option, Mobile Wallet access, $0 fraud liability, contactless payment option, and ID Navigator Powered by NortonLifeLock.
Finally, all of that with zero annual fees.
U.S. Bank Altitude Go Visa Secured Card benefits
The U.S. Bank Altitude® Go Visa® Secured Card gathers all in one place at a very low cost. Besides the rewards, this card provides security features, convenience, and flexibility. All of that is for a $0 annual fee.
- This card offers rewards for all purchases;
- It reports to all three major credit bureaus so you can work on building your credit;
- The security deposit is refundable and it is held in a secured savings account;
- It charges a $0 annual fee;
- It provides security features, convenience, and accessibility.
- It requires a security deposit;
- The APR is relatively high.
How good does your credit score need to be?
Since it is a secured credit card, all credit scores are considered in the application. If you need to reestablish your credit, this card offers an opportunity for you to do that.
How to apply for U.S. Bank Altitude Go Visa Secured Card?
If you are interested in applying for a U.S. Bank Altitude® Go Visa® Secured Card, check out our next post and learn how to get yours!
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