The U.S. Bank Altitude Go Secured Visa Card is a dream come true for any food lover who is also on a journey to build a better financial future. It offers an incredible 4 points for every dollar you spend on all things dining—a rate that is almost unheard of, especially on a secured card with no annual fee. Forget boring credit-builder cards; this is a card that rewards your lifestyle and helps you reach your financial goals at the same time.
A Menu of Delicious Benefits
The Altitude Go Secured is packed with perks that every foodie will appreciate.
- A Phenomenal 4X Points on All Dining: This is the main course. You get 4 points per dollar on a huge range of food-related purchases. This includes:
- Dining in at restaurants, from fine dining to casual cafes.
- Ordering takeout directly from the restaurant.
- Using popular food delivery services like DoorDash, Uber Eats, and Grubhub.
- 2X Points on Your Other Foodie Adventures: The rewards don’t stop there. You get 2 points per dollar at grocery stores and with grocery delivery services, perfect for when you’re buying ingredients to try a new recipe at home. You also get 2X points at gas stations, which helps you save on your way to that new restaurant across town.
- A Free “Dinner and a Movie” Night (Streaming Credit): The card gives you a $15 statement credit each year. You earn it by paying for a streaming service like Netflix or Spotify with your card for 11 straight months. It’s a nice little bonus that can pay for your next pizza delivery.
- No Annual Fee: You get all of these amazing food-focused rewards without paying an annual fee. That means more money in your budget for trying new dishes.
- Build Your Credit While You Eat: This is the best part. As you enjoy your meals and pay your bill on time, U.S. Bank reports your positive payment history to all three major credit bureaus. You are actively building a stronger credit score with every dining experience.
- A Path to Even Better Cards: After a year of responsible use, U.S. Bank may review your account and upgrade you to an unsecured card, returning your security deposit. A higher credit score can help you qualify for other premium dining and travel cards in the future.
- Your Security Deposit Sets Your “Dining Budget”: You provide a refundable deposit (from $300 to $5,000) which becomes your credit limit. This is a great way to set a responsible spending limit for your dining adventures.
Who Is U.S. Bank Altitude Go Secured Visa For?
This card is a perfect match for any U.S. resident who:
- Loves dining out, ordering takeout, or using food delivery services.
- Needs to build or rebuild their credit history.
- Can provide a refundable security deposit of at least $300.
- Is at least 18 years old and has a valid Social Security Number.
How to Apply for U.S. Bank Altitude Go Secured Visa
Getting this foodie-friendly card is a simple online process.
- Head to the U.S. Bank Website: Find the application page for the Altitude Go Secured Visa.
- Fill Out Your Information: The secure online form will ask for your personal and financial details.
- Fund Your Account: If you are approved, you will need to provide your security deposit. This is the money that will secure your credit line.
- Get Ready to Dine and Earn: Once your card arrives, you can activate it and start earning 4X points on your next meal!
A Foodie’s Frequently Asked Questions
- Do coffee shops and bars count for the 4X dining rewards?
Yes, generally they do. As long as the merchant is coded as a restaurant, bar, or fast-food establishment, you should earn the 4X points. This makes it great for everything from your morning coffee to your evening happy hour. - How much are the points worth for a foodie?
Each point is worth 1 cent. So, 4X points is a 4% return. If you spend $300 a month on dining and takeout, you’d earn 1,200 points, which is equal to $12 in cash back each month, or $144 per year, just from your food spending! - Can I redeem my points for restaurant gift cards?
Yes! One of the best ways to use your points is to redeem them for gift cards to your favorite restaurants through the U.S. Bank rewards center, which can make your next meal feel like it’s free. You can also redeem them for cash back as a statement credit. - Is this card good for food tourism and international travel?
It’s a mixed bag. The 4X rewards on dining will work worldwide, which is great for trying new cuisines abroad. However, the card does have a foreign transaction fee, which would add an extra 3% to your bill on international purchases.
