Altitude® Go Secured Visa® Credit Card
Basic Information
Program ID: us-bank-altitude-go-visa-secured-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Secured
Data Complete: Yes
Created: 01/15/2026 16:41
Last Scraped: 01/15/2026 16:43
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 6-8 weeks after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Dining, Takeout, Food Delivery; 2x Grocery, Grocery Delivery, Gas Stations, EV Charging, Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The U.S. Bank Altitude Go Visa Secured Card is designed for individuals with limited or no credit history, or those looking to rebuild their credit. Eligibility requirements for 2026 include being at least 18 years of age, a U.S. resident, possessing a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating the ability to make a security deposit (minimum $300). Applicants must also meet U.S. Bank's income verification standards. While this card typically does not offer a traditional sign-up bonus, its value lies in credit building and rewards earning. U.S. Bank enforces a strict application policy, notably the '2/12 Rule,' meaning applicants are generally limited to receiving approval for a maximum of two new personal credit cards from U.S. Bank within any rolling 12-month period. This rule applies to new card applications, not total cards held.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A (Secured cards typically do not have a sign-up bonus with a minimum spend requirement)
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit relative to income, rapid application for multiple cards (exceeding issuer rules), suspicious spending patterns, failure to make timely payments, abuse of return policies, excessive credit limit increase requests, or any activity deemed fraudulent or high-risk by U.S. Bank.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Excellent rewards for a secured card, especially for dining and groceries, with no annual fee. Provides a clear path to building credit and potentially graduating to an unsecured card.
Top Negative Feedback:
Requires a security deposit which ties up funds. The APR is high, and initial credit limits can be low, which is typical for secured cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Secured Card
- Capital One Platinum Secured Credit Card
- Chime Credit Builder Visa® Secured Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 90.0%
Terms Version Control
Version ID: 2023-10-01