US Bank Altitude Go Secured Card Review – Forbes Advisor

US Bank Altitude® Go Visa® Secured Card* vs. Discover it® Secured Credit Card

The Discover it® Secured Credit Card earns 3% cash back in your category of choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. It’s the card’s welcome bonus that gives it a leg up over the competition. With Unlimited Cashback Match – Discover will automatically match all the cash back earned at the end of the first year, instantly doubling rewards earned during the year. The Discover it® Secured Credit Card does not charge an annual fee.

Keep in mind that after the first year, the US Bank Altitude® Go Visa® Secured Card* will outearn the Discover it® Secured Credit Card’s rewards. Anyone applying for a secured card, however, should be hoping to improve credit and graduate to a better, unsecured credit card as quickly as possible. For responsible users, this can take as little as eight months with the Discover it® Secured Credit Card. US Bank does not specify when they’ll start to consider your account for conversion to an unsecured card.

US Bank Altitude® Go Visa® Secured Card* vs. US Bank Cash+® Visa® Secured Card*

When US Bank launched the US Bank Altitude® Go Visa® Secured Card*it also launched the US Bank Cash+® Visa® Secured Card*. Where the Altitude Go Secured earns points, the Cash+ Secured earns cash back. It earns 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 2% cash back on eligible purchases in choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases. Which bonus categories better match your spending habits will determine which card is best for you.

US Bank Altitude® Go Visa® Secured Card* vs. Bank of America® Customized Cash Rewards Secured Credit Card*

The Bank of America® Customized Cash Rewards Secured Credit Card* allows you to choose your own reward-earning adventure. With the Bank of America® Customized Cash Rewards Secured Credit Card*, you’ll earn 3% cash back in your category of choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. When deciding between these two cards, consider your spending patterns and determine which card will yield greater rewards overall.

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