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U.S. Bank Cash+® Visa® Secured Card

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The U.S. Bank Cash+ Visa Secured Card offers some very flexible rewards for a card designed to build credit. You’ll earn 5% back in two categories of your choice, and 2% back in your choice of one everyday category. This card reports to all three major credit bureaus.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 25.99% Variable

U.S. Bank Cash+® Visa® Secured Card

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 5% cash back in two categories of your choice (up to $2,000 spent per quarter)
  • 2% cash back in your choice of one everyday category
  • 1% cash back on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 25.99% Variable
Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
U.S. Bank Cash+® Visa® Secured Card


  • 5% cash back in two categories of your choice (up to $2,000 per quarter); 2% back in your choice of one everyday category
  • Security deposit ranges from $300 to $5,000
  • Credit activity is regularly reported to the three major credit bureaus
  • Choose payment due date
  • Contactless payments
  • No annual fee

U.S. Bank

U.S. Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-872-2657 or

Try a different phone number
See all Issuer Cards

You’ll earn 5% cash back in two categories of your choice, up to $2,000 spent per quarter. The 2% everyday category will be a common expense like gas stations or grocery stores. Make sure to choose your categories every quarter or else you’ll only earn 1%.

Eventually you may be eligible for an automatic upgrade to the U.S. Bank Cash+™ Visa Signature® Card (Review), along with a return of your security deposit.

There is no annual fee for this card.

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