If you’re in the market for a secured credit card that offers great rewards, U.S. Bank has got a couple of solid options for you, like US Bank Cash+® and US Bank Altitude® Go cards.

Both the US Bank Cash+® or US Bank Altitude® secured cards have an attractive cash back program with no annual fee. But which card is the best overall? 

In this card comparison, we’ll break down their main features so you can decide which makes more sense to you.

Both cards come with benefits, such as zero fraud liability and purchase protection. However, there are some key aspects that make them stand out in different ways. 

If you’re looking for a way to improve your credit score, one of these cards could be your way in.

Keep in mind that you’ll need to provide a security deposit when you open a secured card account. But, this is a small price to pay for the rewards and benefits that these cards offer.

So, which card should you choose? The US Bank Cash+® Visa® Secured or the U.S. Bank Altitude® Go Visa® Secured?

Let’s take a closer look at both options so you can see which benefits your finances the most.

Most secured credit cards in the market will only allow you to repair your credit but will rarely offer anything beyond that.

The U.S. Bank Cash+® Visa® Secured Card is different, and it truly stands out amongst the competition. First because, unlike most options out there, it doesn’t charge you an annual fee. 

Second, the U.S. Bank Cash+® Visa® Secured Card is a great option for those with bad or no credit. It requires a refundable security deposit between $300 and $5,000, which becomes your credit line.

You’ll earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on the categories you choose, and you can change categories.

You also get 2% cash back on eligible net purchases in two additional categories of your choice, such as gas stations or grocery stores.

Plus, a 1% return on every purchase you make daily with your card. You can easily redeem all earned points as a statement credit or direct deposit into your bank account. 

Get all the great features of a Visa card, including 24/7 customer service and zero liability protection, and repair your credit responsibly.

U.S. Bank reports all payments to the three main credit bureaus, so it’s important to always pay on time and in full. That is also to avoid this card’s high APR at 26.74% variable. 

The U.S. Bank also provides other options of secured cards with interesting rewards. One of them is the U.S. Bank Altitude® Go Visa® Secured Card.

While its rates are slightly lower than its competitor in this comparison, the Altitude offers a more simple structure. That means you’ll accumulate points on purchases without worrying about bonus categories.

The U.S. Bank Altitude® Go Visa® Secured Card offers 4x points on dining expenses (which includes selected takeout and delivery services).

Plus, 2x points on selected streaming services, gas stations, grocery stores, and EV charging stations.

On top of that, you’ll also get 1x point on other eligible purchases. That’s plenty of rewards, and all without an annual fee.

You’ll see an improvement in your score within months with responsible use and on-time payments.

The bank reports all your monthly payments to Equifax, Experian, and TransUnion, which in turn helps you gradually repair your rating.

You can set up autopay to help you with the payments and even choose your due date to accommodate your budget. 

The card’s standard variable APR is on the high-side, at 28.99%. However, carrying a balance on a secured card is not a good idea, regardless.

Check some of the pros and cons of this card below to help you choose between the US Bank Cash+® or US Bank Altitude®.

The answer depends on your personal spending habits and goals. If you’re looking for a card with flexible rewards, then the U.S. Bank Cash+® is a great choice.

With this card, you can earn cash back on every purchase, and you can choose which categories to earn bonus rewards in.

For example, you could choose to earn 5% cash back on gas and groceries, 2% cash back on dining, and 1% cash back on everything else.

On the other hand, if you’re looking for a card with a more simple rewards structure, then the U.S. Bank Altitude® is a better option.

This card offers bonus points for different categories, but you won’t have to worry about choosing between those. 

Both of these cards have their own advantages, so it’s important to consider your spending habits and goals before making a decision.

Whichever card you choose between the US Bank Cash+® or US Bank Altitude®, you’ll be getting a great secured credit card!

And if you need a third option to consider, check out the link below to learn more about the Discover it® Secured Credit Card.

The card also offers a great rewards rate with no annual fee and an excellent welcome bonus.