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 delivery3

2X points

on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024)3

1X point

On all other eligible purchases3

$15 streaming credit

For annual streaming service purchases like Netflix and Spotify®4

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.5

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.6


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.7

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

Start of disclosure content

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.

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. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into for additional information.

Start of disclosure content
  1. Late payments and going over the credit limit may damage your credit history.

  2. By clicking Apply, 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.

  3. Points are earned on eligible Net Purchases. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 3 Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. You will earn 1 Point (2 Points total) for every $1 on qualifying streaming subscription service purchases. Refer to Program Rules or for official list of qualifying streaming services merchants. IMPORTANT CHANGE: You will earn 1 Point (2 Points total) for every $1 on grocery store, supermarket, gas station and electric vehicle charging station purchases. Effective September 9, 2024, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will be excluded. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will be excluded. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  4. 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.

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

  6. 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.

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

  8. 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).

Start of disclosure content

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.