U.S. Bank Secured Visa® Card


For People with
No Credit

REVIEWS

Reviews

The U.S. Bank Secured Visa® Card is great for establishing credit for the first time or for repairing poor credit.

It gives you the chance to establish a line of credit, and practice paying bills on time and staying within the credit limit. This is a secured card, so you’ll need to give U.S. Bank a deposit. Your credit line will be equal to the deposit you make.

This is a rather basic card but it does come with a few benefits such as Auto Rental Collision Damage Waivers, Travel and Emergency Assistance Services, and you’ll be able to check your VantageScore Credit Score based on your TransUnion credit report for free.

If you’re looking for better secured credit cards, check out our list of Best Secured Credit Cards.

Card Quick Facts

Card Quick Facts

  • The deposit is used to open a U.S. Bank savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as your account remains open and in good standing
  • Set up automatic payments so you never miss a due date
  • Free VantageScore Credit Score based on your TransUnion credit report
  • Choose your payment due date

For People with
No Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $29
Additional Cards Annual Fee -
Regular Purchase APR 20.99% Variable
Intro Purchase APR -
Foreign Transaction Fee Up to 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 20.99% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.99% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free VantageScore Credit Score

    Check your VantageScore for free anytime, based on your TransUnion credit report.

  • Visa Discounts

    Discounts and offers at a variety of online and in-store retailers.

  • This Card Comes with Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • $0 Fraud Liability Guarantee

    Cardholders are not responsible for unauthorized purchases on this card.

  • Fraud Protection

    Proactively monitors your account for fraudulent activity.

  • Extended Warranty Protection

    Double the time of manufacturers U.S. warranty up to one additional year for warranties of 3 years or less.

  • Warranty Manager Service

    For maximum protection your warranty information is electronically stored in one place.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Travel and Emergency Assistance Services

    Provides help coordinating medical, legal, and travel services when you’re away from home.

Visitor Reviews

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