$29
Annual fee
See the card
Card reviewUS Bank
Updated Aug 14, 2026 · research
US BankU.S. Bank Altitude Go Secured Rewards
U.S. Bank Altitude Go Secured Visa Card
A $0-annual-fee secured Visa card that earns up to 4X points while helping build credit.
Entry LevelPersonal
Visa
Credit profile: poor$0
Annual fee
4x pts dining, takeout and restaurant delivery
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Dining, takeout and restaurant delivery
4xpoints
Applies to the first $2,000 each quarter; qualifying restaurant, fast-food restaurant and bar purchases earn 1 base point plus 3 bonus points per $1.
Gas stations and electric vehicle charging stations
2xpoints
Wholesale clubs, discount stores/supercenters, and grocery stores/supermarkets earn only 1 point per $1.
Grocery stores and supermarkets
2xpoints
Wholesale clubs and discount stores/supercenters such as Target and Walmart earn only 1 point per $1.
Qualifying streaming subscription services
2xpoints
Eligible merchants are subject to the program rules.
All other eligible purchases
1xpoints
Net Purchases are Purchases minus credits and returns; certain transactions are not eligible to earn rewards.
Pros & Cons
Pros
- No annual fee.
- Rewards up to 4X points on dining and related categories.
- Secured card helps build credit with poor credit.
- Bonus points on groceries, gas, streaming, and EV charging.
Cons
- Requires security deposit of $300 to $5,000.
- No welcome bonus.
- Limited to entry-level secured card features.
- 1X points on non-bonus purchases.
Key Takeaways
- $0 annual fee secured Visa card.
- Earn 4X points on dining, takeout, and delivery.
- 2X points on gas/EV charging, groceries, and streaming.
- Requires $300-$5,000 deposit for poor credit users.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
Card Benefits
4 benefits
Statement Credits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the U.S. Bank Altitude Go Secured Visa Card?
The annual fee is $0. This applies every year with no waiver in the first year.
What security deposit is required?
A security deposit between $300 and $5,000 is required to open the account. This deposit sets the initial credit limit.
What are the rewards earning rates?
Earn 4 points per dollar on dining, takeout, and restaurant delivery. Earn 2 points per dollar at gas stations, EV charging stations, streaming services, and grocery stores, and 1 point per dollar on all other eligible purchases.
Is there a welcome bonus offer?
There is no welcome bonus. The card focuses on ongoing rewards earning.
Who qualifies for this card?
The card suits those with poor credit scores. It is a secured, entry-level Visa card for personal use.
What reward program does it use?
Points earn into the U.S. Bank Altitude Go Rewards program. Rewards apply to specified everyday spending categories.
What credit network is it on?
The card operates on the Visa network. This provides wide acceptance for purchases.
About This Card
This card fits people with poor credit who want to build credit while earning rewards on dining, groceries, gas, and streaming. It works for those comfortable with a security deposit.
A secured Visa credit card designed to help build or rebuild credit while earning points on everyday purchases. It requires a refundable security deposit of $300 to $5,000, which sets the credit limit and is held in a secured U.S. Bank savings account. Cardholders may be able to automatically graduate to the U.S. Bank Altitude Go Visa Signature Card, with the security deposit returned upon graduation.
It offers elevated rewards rates on dining and everyday categories uncommon for secured cards aimed at poor credit.
Ready to Decide?
Apply for the U.S. Bank Altitude Go Secured Visa Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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