Program ID: us-bank-altitude-go-visa-secured-card

Issuer: U.S. Bank

Card Name: Altitude® Go Secured Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Secured

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:41

Last Scraped: Jan 15, 2026 16:43

Apply URL: Visit

Home URL: Visit

Reward Type: Points

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x Dining, Takeout, Food Delivery; 2x Grocery, Grocery Delivery, Gas Stations, EV Charging, Streaming Services

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Financing: Introductory Purchase APR

Promo Duration: 15 months

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.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (Secured cards typically do not have a sign-up bonus with a minimum spend requirement)

Cliff Effect Rules: The U.S. Bank Altitude Go Visa Secured Card is part of the Altitude Go family and is primarily designed as a stepping stone to the unsecured U.S. Bank Altitude Go Visa Signature Card. After a period of responsible use (typically 7-12 months), cardholders may be eligible for a credit limit increase and/or graduation to an unsecured version, with the security deposit being returned. There are no specific 'cliff' rules preventing application for other U.S. Bank cards, but the 2/12 rule and overall credit exposure limits will still apply.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 90.0%

Version ID: 2023-10-01