How credit-building cards work

Set your credit limit.

Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.

Get rewarded for everyday purchases.

Use your card everywhere Visa is accepted. Your secured card works and looks like any other credit card. 

Build your credit.

We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it's due. Over time, this will help build your credit and you may be able to automatically graduate to the U.S. Bank Altitude Go Visa Signature Card. Upon graduation, your security deposit will be returned. 

Earn points, plus a streaming credit.

4X points

On dining, takeout and restaurant delivery2

2X points

At grocery stores, grocery delivery, streaming services, gas stations and EV charging stations2

1X point

On all other eligible purchases2

$15 streaming credit

For annual streaming service purchases like Netflix and Spotify®3

Enjoy a streaming bonus4 on us!

  • $15 streaming service credit after 11 months of streaming purchases
  • 2X points3 on your streaming services


Includes Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV+, Audible, Bally Sports+, DirecTV Stream, Discovery+, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, iHeart, LiveOne, Luminary, MLB TV, NBA League Pass, Netflix, NHL Live, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Slacker Radio, Sling TV, Spotify, Starz, Stitcher, Tidal, Vudu, YouTube Music, YouTube Premium and YouTube TV. Merchant list is subject to change.

Additional benefits

Choose your payment due date.

Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.4

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.5


Contactless payments

Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.

Mobile Wallet

Add the Altitude Go Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.


Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.

ID Navigator Powered by NortonLifeLock

Get tools that help keep you informed of threats that may affect your identity.6

U.S. Bank offers a variety of secured credit cards. Learn which card can help you build credit.

Looking for a credit card with different benefits?

Check out our wide range of cards that could fit your needs.

Frequently asked questions

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U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules for additional information.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

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  1. Late payments and going over the credit limit may damage your credit history.

  2. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Go Secured Visa Cardmember Agreement, which may be amended from time to time. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 3 Points (4 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a restaurant, fast-food restaurant or bar. You will earn 1 Point (2 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station, grocery store, supermarket or qualifying streaming subscription service. Refer to Program Rules or for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category.

  3. An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude® Go Secured Visa® Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

  4. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  5. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  6. No one can prevent all cybercrime or all identity theft.

  7. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account (2,500 Points minimum redemption).

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.