Does the U.S. Bank Altitude Go Visa Secured have an annual fee?

No. Our record lists a $0 annual fee for the U.S. Bank Altitude Go Visa Secured.

What does the U.S. Bank Altitude Go Visa Secured earn?

4x on dining, 2x on Gas Stations, 2x on groceries, 2x on streaming, and 1x on other purchases.

Is the U.S. Bank Altitude Go Visa Secured worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in dining), the first year comes out around $210 before credits, including a welcome bonus valued at $0. Year two drops to about $210 before credits.

What credit do I need for the U.S. Bank Altitude Go Visa Secured?

Our record lists "Fair to Good" credit as the typical target for the U.S. Bank Altitude Go Visa Secured. It's a secured card, so a refundable deposit is part of the application. U.S. Bank makes the final decision based on its own criteria.

U.S. Bank Altitude® Go Visa® Secured Card

U.S. Bank

No Annual Fee

Annual Fee

visaFair → Goodno-annual-feesecured5 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the U.S. Bank Altitude Go Visa Secured Card right for you?

The U.S. Bank Altitude Go Visa Secured is a no-annual-fee secured rewards card from U.S. Bank. Its strongest everyday earning is 4x on dining, with 1x on most other purchases. With no fee, the question is simply whether 4x on dining beats what your current card earns there.

Who it's for

✓ People building or rebuilding credit with a refundable deposit
✓ People who spend steadily on dining, where it earns 4x
✓ Anyone who wants dining rewards without paying an annual fee

Who should skip it

— Heavy spenders outside dining — everything else earns 1x

First-year value estimate

Welcome bonus

Rewards on spending

$210

Annual fee (year 1)

−$0

Year 1, before credits

$210

Year two, without the welcome bonus: about $210 before credits ($210 in rewards minus the $0 fee).

Assumptions

$3,000 a year in dining (4x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Citi Secured Mastercard →

Citi, same $0 annual fee; earns 1x on everything.

Bank of America Customized Cash Rewards Secured →

Bank of America, same $0 annual fee; earns 6% on Choice Category.

Capital One Quicksilver Secured Cash Rewards →

Capital One, same $0 annual fee; earns 1.5% on everything.

Compare side by side →

Frequently asked questions

Does the U.S. Bank Altitude Go Visa Secured have an annual fee?: No. Our record lists a $0 annual fee for the U.S. Bank Altitude Go Visa Secured.
What does the U.S. Bank Altitude Go Visa Secured earn?: 4x on dining, 2x on Gas Stations, 2x on groceries, 2x on streaming, and 1x on other purchases.
Is the U.S. Bank Altitude Go Visa Secured worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in dining), the first year comes out around $210 before credits, including a welcome bonus valued at $0. Year two drops to about $210 before credits.
What credit do I need for the U.S. Bank Altitude Go Visa Secured?: Our record lists "Fair to Good" credit as the typical target for the U.S. Bank Altitude Go Visa Secured. It's a secured card, so a refundable deposit is part of the application. U.S. Bank makes the final decision based on its own criteria.

Earning Rates

4×Dining4x points on dining, takeout and restaurant delivery

2×Gas Stations2x points on gas stations, EV charging

2×Groceries2x points on grocery stores

2×Streaming2x points on streaming services

1×All Other Purchases1x point per $1 on all other purchases

Other Benefits

Cell phone protection

Up to $600 in coverage for stolen or damaged cell phones when paying monthly bill with card

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

Last Updated: Apr 27, 2026