Credit and Habit

U.S. BankSecured card

U.S. Bank Cash+® Secured Visa® Card

Build credit and earn cash back.

AT A GLANCE

Credit card overview

Card categories

  • Secured
  • Credit Building
  • Cash back

What you get

Rewards and benefits

How it earns

2% cash back on one everyday category you choose like Plus, earn 1% cash back on all other eligible purchases. Up to 5% cash back on two categories you choose each quarter 2% cash back on one everyday category you choose each quarter

  • Security deposit required
  • Cash back features
  • Credit-building use case

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileLimited, no, or rebuilding credit history

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. U.S. Bank makes every lending decision.

Annual fee and first-year pricing
Earn unlimited cash back while building credit for the future. Start with a security deposit of $300 to $5,000 and $0 annual fee .
Redemption options and restrictions
Then select the Redeem Rewards icon and choose the reward you would like to redeem. There is no limit on the total cash back you can earn. Rewards redemption starts at $25. To earn cash back, choose and activate your Cash+ Categories. You’ll earn with every eligible purchase. Redeem your cash back anytime online. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.
Security deposit
Earn unlimited cash back while building credit for the future. Start with a security deposit of $300 to $5,000 and $0 annual fee .
Other conditions
Build credit and earn cash back.

Conditions to know

  • Deposit and credit limit are subject to issuer requirements.
  • Rewards category rules and caps apply.
  • On-time payments do not guarantee approval for another product or a score increase.

Recorded from U.S. Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the U.S. Bank Cash+® Secured Visa® Card

  1. For credit building, check the security deposit, credit-bureau reporting and upgrade or refund policies.
  2. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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