U.S. Bank Altitude® Go Secured

Yes, if you need a secured card and want stronger rewards than most cards in this category. The standout is 4x points on dining, plus 2x on gas, groceries, streaming, and EV charging, which gives this card real day-to-day value while you work on your credit profile. With no annual fee, you do not have to overcome an ongoing cost just to keep the account open.

The tradeoff is that this is still a secured card with limited perks, no welcome bonus, and a 3% foreign transaction fee. The APR is high, so the rewards only matter if you pay your balance in full and use the card as a credit-building tool. If that is your plan, this is one of the more practical secured cards for everyday spending. If you want travel perks, financing flexibility, or a card to use abroad, look elsewhere.