Navy Federal GO REWARDS® Card vs U.S. Bank Altitude Go® Secured Visa® Card
Both cards cost $0/yr. The Navy Federal GO REWARDS® Card leads on dining; the U.S. Bank Altitude Go® Secured Visa® Card on dining.
Card data as of October 12, 2026.
Navy Federal GO REWARDS® CardNavy Federal · No annual fee
U.S. Bank Altitude Go® Secured Visa® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Navy Federal GO REWARDS® Card$0U.S. Bank Altitude Go® Secured Visa® Card$0
- Welcome offerCurrent public offer
- Navy Federal GO REWARDS® Card—U.S. Bank Altitude Go® Secured Visa® Card—
- Rewards
- Navy Federal GO REWARDS® CardNavy Federal Credit Union PointsU.S. Bank Altitude Go® Secured Visa® CardU.S. Bank Altitude points
- Foreign transaction fee
- Navy Federal GO REWARDS® CardNoneLowestU.S. Bank Altitude Go® Secured Visa® Card3%
- Network
- Navy Federal GO REWARDS® CardVisaU.S. Bank Altitude Go® Secured Visa® CardVisa
Earn ratesPer $1 spent
- Dining
- Navy Federal GO REWARDS® Card3xU.S. Bank Altitude Go® Secured Visa® Card4xHighest
- Gas Stations
- Navy Federal GO REWARDS® Card2xU.S. Bank Altitude Go® Secured Visa® Card2x
- Grocery Stores
- Navy Federal GO REWARDS® Card1xU.S. Bank Altitude Go® Secured Visa® Card2xHighest
- Streaming
- Navy Federal GO REWARDS® Card1xU.S. Bank Altitude Go® Secured Visa® Card2xHighest
- Everything else
- Navy Federal GO REWARDS® Card1xU.S. Bank Altitude Go® Secured Visa® Card1x
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- Navy Federal GO REWARDS® Card—U.S. Bank Altitude Go® Secured Visa® Card
- $15 streaming
Perks & access— means none on record
- Other perks
- Navy Federal GO REWARDS® Card—U.S. Bank Altitude Go® Secured Visa® Card
- ID Navigator Powered by NortonLifeLock™
Protections & insuranceLimits where published · — means none on record
- Rental car
- Navy Federal GO REWARDS® Card
- Collision Damage Waiver
U.S. Bank Altitude Go® Secured Visa® Card— - Cell phone
- Navy Federal GO REWARDS® Card
- Cell Phone Protection · up to $250
U.S. Bank Altitude Go® Secured Visa® Card— - Other protections
- Navy Federal GO REWARDS® Card
- Roadside Dispatch
U.S. Bank Altitude Go® Secured Visa® Card—
Pros & cons
- Pros
- Navy Federal GO REWARDS® Card
- No annual fee
- 3x points on restaurants (competitive for a no-fee card)
- 2x points on gas stations
- Points can be redeemed for travel, gift cards, or merchandise
- No foreign transaction fee (typical of Navy Federal cards)
U.S. Bank Altitude Go® Secured Visa® Card— - Cons
- Navy Federal GO REWARDS® Card
- Limited to Navy Federal membership eligibility (military, DoD, family members)
- 1x on all other spending is below average
- Points value depends on redemption method
- No welcome bonus listed
- No premium travel benefits or insurance
U.S. Bank Altitude Go® Secured Visa® Card—
Category-by-Category Winner
The U.S. Bank Altitude Go® Secured Visa® Card wins in 3 of 3 categories. The Navy Federal GO REWARDS® Card leads in 0.
Dining
U.S. Bank Altitude Go® Secured Visa® Card earns 4X vs 3X
Grocery Stores
U.S. Bank Altitude Go® Secured Visa® Card earns 2X vs 1X
Streaming
U.S. Bank Altitude Go® Secured Visa® Card earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the U.S. Bank Altitude Go® Secured Visa® Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Navy Federal GO REWARDS® Card | U.S. Bank Altitude Go® Secured Visa® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $168 Year one: $168 | Rewards: $204 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $204 Year one: $204 | U.S. Bank Altitude Go® Secured Visa® Card | U.S. Bank Altitude Go® Secured Visa® Card |
| Heavy spender: $4,000/month | Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $672 Year one: $672 | Rewards: $816 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $816 Year one: $816 | U.S. Bank Altitude Go® Secured Visa® Card | U.S. Bank Altitude Go® Secured Visa® Card |
Which Card Is Right for You?
Get the U.S. Bank Altitude Go® Secured Visa® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the U.S. Bank Altitude Go® Secured Visa® Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Navy Federal GO REWARDS® Card or U.S. Bank Altitude Go® Secured Visa® Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Navy Federal GO REWARDS® Card have that the U.S. Bank Altitude Go® Secured Visa® Card doesn't?
- The Navy Federal GO REWARDS® Card offers cell phone protection. The U.S. Bank Altitude Go® Secured Visa® Card focuses more on earn rates than premium perks.
- Should I get the Navy Federal GO REWARDS® Card or the U.S. Bank Altitude Go® Secured Visa® Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.