Credit Card

U.S. Bank Altitude® Go Secured Visa® Card Review: Go further!

Check out our team's analysis of the U.S. Bank Altitude® Go Secured Visa® Card. Get a closer look at its benefits and understand why it goes beyond the basics of credit building.

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A builder card that delivers more than you even asked for!

U.S. Bank Altitude® Go Secured Visa® Card
This secured credit card will help you build a great credit score. Source: Ian’s Tech.

The time has come for the U.S. Bank Altitude® Go Secured Visa® Card. It’s the best way to build credit in the USA. It’s everything you expect and manages to go beyond the obvious.

This is because you can earn points with the U.S. Bank Altitude® Go Secured Credit Card besides achieving your financial goals. And all of this comes without an annual fee.

Things to know right away about this credit card!
Designed for people with low credit scores or looking to build their credit history.
Regular purchase APR of 29.99%. This rate is considered high!
No annual fee or foreign transaction fee. However, it charges late and returned payment fees, both $41.
Rewards on all purchases, including generous bonuses in specific categories such as dining, food delivery, grocery shopping, streaming services, and gas stations.

You’ll quickly notice that we’re talking about a card that’s truly different from the rest, especially when you compare it to other credit builders. You can even choose your due date.

So join us for this comprehensive U.S. Bank Altitude® Go Secured Credit Card analysis and learn more about something that could really change your financial game.

Decoding U.S. Bank Altitude® Go Secured Visa® Card: Key Features

U.S. Bank Altitude® Go Secured Visa® Card
Use this card everywhere and pay no annual fees for it. Source: Canva Pro.

The U.S. Bank Altitude® Go Secured Visa® Card is ideal for improving credit score while earning rewards along the way. This might be considered a novelty for this category.

You’ll collect points on all purchases, with extra points for spending at restaurants and supermarkets. That means your points could be multiplied by up to four times!

And there’s no annual fee. It’s a fantastic way to build good credit and enjoy the perks of premium cards without worrying about extra costs. Even your streaming service will benefit.

Just be mindful to pay on time and maintain good payment habits to avoid additional fees, making it beneficial for your financial life.

Check the card pros and cons: is this card a fit for you?

U.S. Bank Altitude® Go Secured Visa® Card
If you have a low credit score, a secured credit card can be a solution for you. Source: Canva Pro.

The U.S. Bank Altitude® Go Secured Visa® Card is a standout option for those aiming to build or repair their credit.

It blends the unique advantage of earning rewards on purchases, a feature not often found in secured cards, with the foundational goal of credit building.

The highs…:

  • • No annual fee.
  • • Earns rewards on every purchase, with enhanced dining and grocery shopping rates.
  • • Offers a $15 annual streaming service credit.

… and the lows:

  • • Requires a $300 minimum deposit.
  • • Comes with a high APR of 29.99%.
  • • A credit check and hard inquiry are required for application.

Eligibility requirements check-list to apply for the U.S. Bank Altitude® Go Secured Visa® Card

To apply for the U.S. Bank Altitude® Go Secured Visa® Card, here’s a summary of what you typically need:

  • Credit Score: Aimed at individuals with limited/poor credit (scores ranging from 300 to 600).
  • Income: Proof of stable income is usually required to demonstrate the ability to make payments.
  • Age: Must be at least 18 years old or 21 in some jurisdictions.
  • Residency: Applicants need to be residents of the United States.
  • Security Deposit: A minimum deposit of $300 is required, which also sets your credit limit.

These requirements help ensure that the card is accessible to those working on building or improving their credit, while the security deposit minimizes risk for the issuer.

Treasure’s roadmap: How to apply for the U.S. Bank Altitude® Go Secured Visa® Card

U.S. Bank Altitude® Go Secured Visa® Card
Check the requirements and apply online for the U.S. Bank Altitude® Go Secured. Source: Canva Pro.

You should do so online through the official U.S. Bank website to apply for the U.S. Bank Altitude® Go Secured Visa® Card.

The application process details your information but won’t take too long to complete. It’s not clear whether you can apply through a mobile app, as the official site advises doing it online.

However, you’ll likely have access to such a tool at least for managing your U.S. Bank Altitude® Go Secured Credit Card usage.

Step into the ring: U.S. Bank Altitude® Go Secured Visa® Card versus Discover It Secured Credit Card

It’s tough to compete with the U.S. Bank Altitude® Go Secured Visa® Card in the “credit-building cards” category, but that doesn’t mean there aren’t other options out there.

The Discover It Secured Credit Card is one well-known alternative. Despite its high interest rates, common for cards targeting poor credit, it delivers on its promise.

We’ve compared them side by side so you can make an informed choice. Now it’s up to you: be honest and clear up any doubts you have.

U.S. Bank Altitude® Go Secured Visa® Card Discover It Secured Credit Card
Designed for low credit scores.Designed for low credit scores.
Purchase APR of 29.99%.Purchase APR of 28.24%.
No annual fee.No annual fee.
Points program.Cashback program.

Of course, all the details about the Discover It Secured Credit Card can’t fit into this brief comparison. Therefore, make sure to read our complete material on it for a thorough understanding.

Discover It® Secured Credit Card

Discover It® Secured Credit Card Review

A responsible credit option with benefits is the Discover It® Secured Credit Card. To better understand how it works, check out our post!

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