U.S Bank Altitude Go Secured full review
Discover this card if you desire a secure payment option and take pleasure in earning rewards, particularly when dining out.
Introducing the U.S Bank Altitude Go Secured: Building Credit with Reward Points
If you’re looking to build credit and earn rewards at the same time, the U.S. Bank Altitude Go Visa Secured Card is the perfect choice. With this card, you can earn up to 4x points on everyday purchases. And the best part? There’s no annual fee.
While there is a minimum deposit requirement, making it ideal for those looking to deposit a larger sum, this card is still a great option for building credit.
Curious to learn more about this card and its features? Keep reading to find out.
How does the U.S Bank Altitude Go Secured work?
The U.S. Bank Altitude Go Visa Secured Card offers a rewards structure that allows you to earn points on various categories of spending. You’ll earn 4 points for dining out and getting takeout, 2 points for streaming services, grocery shopping, and gas stations, and 1 point for every other eligible purchase.
Each point is equivalent to one cent, making it easy to calculate your cashback rewards. Additionally, if you pay for annual streaming subscriptions like Netflix and Spotify, you’ll receive a $15 credit.
How can you redeem these points?
With the U.S. Bank Altitude Go Visa Secured Card, there’s no limit to how many rewards you can earn, and they never expire. Once you’ve accumulated at least 2,500 points, you can redeem them as a statement credit or deposit them into a supported U.S. Bank account.
Additionally, you can use the U.S. Bank rewards center online to exchange your points for goods, gift cards, or travel once you have at least 1,000 points. And if you prefer instant redemption, participating stores offer Real-Time Rewards, allowing you to redeem points instantly via text message.
Key Benefits of the U.S Bank Altitude Go Secured Card
Up to 4x points per dollar on purchases
The U.S. Bank Altitude Go Visa Secured Card offers generous rewards on a variety of purchases, including:
- 4x points per dollar spent on dining out and takeout
- 2x points per dollar spent at grocery stores
- 2x points per dollar spent at gas stations
- 2x points per dollar spent on streaming services
- 1 point per dollar spent on all other eligible purchases
Annual streaming credit
In addition to earning rewards on streaming services, this card also provides an annual bonus. Each year, you’ll receive a $15 statement credit for eligible streaming services like Netflix, Hulu, and Apple Music. To be eligible, you must have made 11 consecutive monthly payments to the same streaming provider, and the credit will appear after two billing cycles.
No annual fee
Unlike many secured credit cards, the U.S. Bank Altitude Go Visa Secured Card doesn’t charge an annual fee. This is a significant advantage as some secured credit cards can have high annual fees, often around $49 or more. With this card, you can focus on building credit without worrying about additional expenses.
Opportunity to upgrade to an unsecured credit card
Once you’ve established a good credit history, the U.S. Bank Altitude Go Visa Secured Card provides the opportunity to upgrade to an unsecured credit card. This means you can transition from a secured card to an unsecured card without needing to close your account. Upon upgrading, you’ll receive a full refund of your deposit. To qualify for the upgrade, make sure to pay your bills on time each month and maintain a low credit card debt.
How to apply for the U.S Bank Altitude Go Secured Card
If you’re interested in applying for the U.S. Bank Altitude Go Visa Secured Card, check out our step-by-step guide on how to apply. It will provide you with all the information you need to complete the application process.
