| Category | Rate | Type | Cap |
|---|---|---|---|
|
Dining, Takeout, and Food Delivery
4X points on restaurant, fast-food restaurant, bar, takeout, and food delivery purchases on the first $2,000 in combined eligible purchases each quarter (then 1X). Excludes purchases coded at discount stores/supercenters and wholesale clubs.
|
4x | Points | $8,000/yr |
|
Grocery Stores
2X points at grocery stores and grocery delivery services with no spending cap. Excludes purchases at discount stores/supercenters such as Walmart and Target and wholesale clubs.
|
2x | Points | No cap |
|
Gas Stations and EV Charging Stations
2X points at gas stations and EV charging stations with no spending cap. Excludes purchases coded at discount stores/supercenters and wholesale clubs.
|
2x | Points | No cap |
|
Streaming Services
2X points on eligible streaming service purchases with no spending cap. Qualifying services include Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max, Peacock, YouTube TV, and others per U.S. Bank Program Rules.
|
2x | Points | No cap |
|
Dining, Takeout, and Food Delivery (Over Quarterly Cap)
1X points on dining, takeout, and food delivery purchases after the $2,000 quarterly spending cap is reached.
|
1x | Points | No cap |
|
All Other Purchases
1X points on all eligible purchases not covered by a higher bonus category. No spending cap applies.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Annual Streaming Services Credit
Receive a $15 statement credit annually for eligible streaming service purchases charged to the card. The credit posts automatically after 11 consecutive months of qualifying streaming charges and appears within 2 billing cycles; eligible services include Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max, and Peacock.
|
Credits |
$15 per year
Up to $15
|
|
Automatic Graduation Path to Unsecured Card
With responsible account management — including on-time payments and staying within the credit limit — cardholders may be automatically upgraded to the U.S. Bank Altitude Go Visa Signature Card, with the security deposit returned in full.
|
Financial | Security deposit returned upon graduation |
|
Flexible Payment Due Date
Cardholders can select their monthly payment due date to align with their personal pay schedule. Some restrictions may apply; cardholders should contact U.S. Bank for available date options.
|
Financial | Complimentary |
|
No Annual Fee
The U.S. Bank Altitude Go Visa Secured Card carries no annual fee, making it a cost-effective credit-building tool with meaningful rewards.
|
Financial |
$0 annual fee
Up to $0
|
|
Refundable Security Deposit in FDIC-Insured Savings Account
The required security deposit ($300–$5,000) is held in a U.S. Bank Secured Savings Account that is FDIC-insured and earns interest. The deposit is returned in full upon graduation to the unsecured Altitude Go Visa Signature Card or upon account closure in good standing.
|
Financial | $300–$5,000 refundable deposit |
|
Three-Bureau Credit Reporting
U.S. Bank reports payment history and account status monthly to all three major credit bureaus — Equifax, Experian, and TransUnion — helping cardholders build or rebuild their credit profile with responsible use.
|
Financial | Complimentary |
|
Contactless Payments
The card is equipped with contactless payment technology, allowing cardholders to pay with a single tap wherever the Contactless Symbol is displayed at checkout.
|
Other | Complimentary |
|
Flexible Points Redemption
Altitude points can be redeemed through the U.S. Bank Altitude Rewards Center for deposits to an eligible U.S. Bank account, merchandise, gift cards, travel, and charitable contributions at 1 cent per point.
|
Other | 1 cent per point |
|
Mobile Wallet Support
The card can be added to digital mobile wallets for convenient and secure tap-to-pay purchases at participating merchants.
|
Other | Complimentary |
|
U.S. Bank Mobile App and Online Banking Access
24/7 access to full account management, rewards viewing and redemption, transaction history, spending insights, and card controls via the U.S. Bank Mobile App and online banking at usbank.com.
|
Other | Complimentary |
|
Worldwide Visa Acceptance
The card is accepted at millions of merchants worldwide wherever Visa is accepted, and functions identically to an unsecured Visa credit card at the point of sale.
|
Other | Global acceptance |
|
1X Points on All Other Purchases
Earn 1X Altitude point per dollar on all eligible purchases not covered by a higher bonus category, with no spending cap.
|
Rewards | 1X points, unlimited |
|
2X Points on Gas Stations and EV Charging Stations
Earn 2X Altitude points per dollar at gas stations and EV charging stations with no spending cap. Excludes purchases coded at discount stores/supercenters and wholesale clubs.
|
Rewards | 2X points, unlimited |
|
2X Points on Grocery Stores
Earn 2X Altitude points per dollar at grocery stores and grocery delivery services with no spending cap. Excludes purchases at discount stores/supercenters such as Walmart and Target and wholesale clubs.
|
Rewards | 2X points, unlimited |
|
2X Points on Streaming Services
Earn 2X Altitude points per dollar on eligible streaming service purchases with no spending cap. Qualifying services include Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max, Peacock, and YouTube TV, among others per U.S. Bank Program Rules.
|
Rewards | 2X points, unlimited |
|
4X Points on Dining, Takeout, and Food Delivery
Earn 4X Altitude points per dollar on restaurant, fast-food restaurant, bar, takeout, and food delivery purchases on the first $2,000 in combined eligible purchases each quarter (then 1X). Excludes purchases coded at discount stores/supercenters and wholesale clubs.
|
Rewards | 4X points (up to $2,000 per quarter) |
|
Charitable Contribution Points Match
When redeeming Altitude points for a monetary charitable contribution to an eligible nonprofit organization, U.S. Bank will match the contribution at 100%. Participating nonprofits and full terms apply.
|
Rewards | 100% match on charitable point redemptions |
|
Real-Time Rewards Redemption
After enrolling, cardholders receive a text message following qualifying purchases offering the option to instantly redeem available Altitude points as a statement credit toward that purchase, rather than waiting until the end of the billing cycle.
|
Rewards | Complimentary |
|
Fraud Monitoring
U.S. Bank employs real-time fraud monitoring tools to detect abnormal or suspicious spending patterns and acts quickly to protect the cardholder's account from unauthorized use.
|
Security | Complimentary |
|
Free Credit Score Access via TransUnion CreditView Dashboard
U.S. Bank online and mobile banking customers have complimentary access to their TransUnion credit score, credit score alerts, and a Score Simulator through the TransUnion CreditView Dashboard. A TransUnion database match is required for alerts to function.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders bear no responsibility for unauthorized transactions if the card is lost or stolen, provided U.S. Bank is promptly notified. Certain conditions and limitations apply.
|
Security | 100% liability protection |
