The US Bank Altitude Go Visa Secured is a card for people with low or average credit, it has a low APR and no annual fee. So if you have a bad financial history or no credit at all, know that it is possible to get an excellent card with many benefits and facilities.
This may be the missing alternative for consumers who have problems getting approved for several credit cards. Besides the annual fee waiver, the card also has no balance transfer fee, which means you can use it to consolidate your debt from other cards.
Check out the full credit card review
Primarily this card is designed to help consumers who want to use the tool to store at physical stores, online, and even earn rewards. This is a good alternative for those who need financial organization, but face difficulties due to a low credit score.
As such, it is suitable for those customers who are looking to build a better credit history and thus have more opportunities. In addition, the US Bank Altitude Go Visa Secured card does not have absurd fees in case of late payment, this facility is precisely to help those who are looking for a fresh start.
And the advantages are many, the Bank has US Bank ExtendPay plans, which offer new payment option, and you can split your qualifying purchases with the card into affordable monthly payments – interest free, paying only a small fixed fee per month.
Building a good credit history
It is not news to anyone that banks and other financial institutions in the world, analyze the credit profile of customers on an individual basis. Especially when it comes to releasing credit, whether through a card, loan or financing. So how do you build credit?
U.S. Bank monitors the activities of its customers and regularly reports the status of their cards to the three major credit bureaus. As such, it is very important that you spend within your limit and pay your bills on time. So avoid late payments!
Over time, this practice will help your credit score increase, and you will automatically be able to graduate to better credit cards, such as the U.S. Bank Altitude Go Visa Signature card. In this case, the great news is that after graduation your security deposit will be returned.
Earn streaming credit and also lots of points
Get 4 points for every dollar spent on delivery, dining at restaurants and meals. While spent at electric car charging stations, gas stations, supermarket deliveries, grocery stores and streaming services you get 2 points. But there is more!
If you are one of those people who likes to binge-watch series and movies on Netflix, or maybe listen to your favorite music on Spotify, the U.S. Bank Altitude Go Visa Signature card gives you a $15 streaming credit for annual purchases of these and other streaming services.
The points can be redeemed simply. The customer can choose from various rewards such as products, travel, cashback and even gift cards. In the case of cash back, the redemption takes place as a credit on the statement or if the customer prefers, as a deposit in the current or savings account, with a minimum value of 2,500 points.
Main advantages of the U.S. Bank Altitude Go Visa Signature card
The U.S. Bank Altitude Go Secured card is a card designed for people with low credit scores who want to rebuild their scores and get back into the good graces of credit card companies. But this tool offers other interesting benefits such as:
- Zero Annual Fee;
- Free of foreign transaction fees; Points program. The points do not expire and you can redeem them for travel, cash back and more;
- Cash back in checking or savings account, minimum score 2,500 points;
- Redeem points for merchandise or gift cards, minimum 1,000 points required;
- Use the U.S. Bank Altitude Go Visa Signature card with dining, delivery and restaurants and receive 4 points for every dollar spent;
- Purchases with streaming services, at gas stations, grocery stores, and others, can earn 2 points for every dollar spent. Earn 1 point on all other qualifying purchases;
Earn one $15 credit per year for eligible streaming services to be received after 11 consecutive months of streaming service purchases made with this card. In closing, the U.S. Bank Altitude Go Secured Card is a secured credit card that can help you rebuild your credit score while you work on paying off debt and seizing.