U.S Bank Altitude Go Secured full review
You should find out about this card if you want a protected card and enjoy earning rewards, especially if you enjoy eating out.
What do I need to know about the U.S Bank Altitude Go Secured?
If you want to earn rewards points while building credit, get the U.S. Bank Altitude Go Visa Secured Card. On a lot of regular transactions, you’ll gain up to 4x points for every dollar spent.
Additionally, there is no annual charge.
It does, however, have a minimum deposit requirement, so if you just plan to deposit a small sum, you might want to consider alternative options. But it’s still a fantastic choice for establishing credit.
So, if you are looking for a card that builds credit, but does want to receive some rewards, keep reading this article in order to have a better understanding of the card.
How do the U.S Bank Altitude Go Secured works?
The U.S. Bank Altitude® Go Visa® Secured Card earns 4 points for eating out and getting takeout, 2 points for using streaming services, grocery shops, and gas stations, and 1 point for every dollar spent on other eligible items.
Since each point is about equal to one cent, it is simple to calculate how much cashback you are receiving.
Additionally, if you pay for annual subscriptions to streaming services like Netflix and Spotify, you receive a $15 credit.
How do you redeem these points?
With the U.S. Bank Altitude® Go Visa® Secured Card*, there is no cap on how many rewards a cardholder may accrue, and those benefits never expire.
After earning at least 2,500 points, you can cash out your earnings as a statement credit or deposit them into a supported U.S. Bank account.
After accumulating at least 1,000 points, you can use the U.S. Bank rewards center online to exchange your points for goods, gift cards, or travel.
The Real-Time Rewards function at participating stores also offers a novel way to redeem points: instantly through text message.
U.S Bank Altitude Go Secured main benefits
Up to 4x points per dollar on purchases
The U.S. Bank Altitude Go Visa Secured Card features a lot of wonderful benefits, including significant purchase rewards.
For purchases, you’ll receive base reward points worth $1 plus bonus prizes in well-liked categories:
- 4x points per dollar spent on meals (including takeout)
- 2x points for every $1 spent at food stores
- 2x points for every dollar spent at gas stations
- 2x points for every dollar spent on streaming services.
- 1 point for every $1 spent on all other qualifying items.
Annual streaming card
This card not only offers incentives for streaming but also offers an annual bonus for streaming. Each year, you’ll receive a $15 statement credit.
Popular streaming services like Netflix, Hulu, and Apple Music are examples of eligible providers.
After becoming eligible, the credit will appear after two billing cycles. To be eligible for the bonus credit, you must have made 11 consecutive monthly payments to the same streaming provider.
No yearly charge
Although the benefits may be this card’s main allure, they aren’t the only thing that sets it apart. The U.S. Bank Altitude Go Visa Secured Card’s absence of an annual charge is even another fantastic feature. This is a rare benefit for a secured credit card, similar to rewards. Some secured credit cards have yearly fees as high as $49, if not more. So that while you wait to upgrade to an unsecured card, you won’t waste money on annual fees.
Move up to an unsecured credit card
Secured credit cards are designed to establish credit, but what happens next? The U.S. Bank Altitude Go Visa Secured Card has the option to upgrade to an unsecured credit card rather than remaining a secured card permanently or having to close your account.
When U.S. Bank determines you are ready, this occurs automatically. When you are upgraded to an unsecured card, you will receive a complete return of your deposit.
Paying your bills on time each month and maintaining a low credit card debt are the best ways to qualify.
How to apply for the U.S Bank Altitude Go Secured?
If you got interested in applying for this card, take a look at our article on how to do it and learn everything to apply!