THE CARDTUNED DATABASE
U.S. Bank Cash+ Secured Visa Card
Issuer: U.S. Bank · Network: Visa
5% cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories; 2% in one chosen everyday category; 1% on other eligible purchases; 5% on eligible prepaid travel booked through the U.S. Bank Travel Center
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories |
| Eligible purchases | 2% | in one chosen everyday category |
| Other purchases | 1% | on other eligible purchases |
| Travel | 5% | on eligible prepaid travel booked through the U.S. Bank Travel Center |
Additional benefits
• Build credit through reporting to the three major credit bureaus and may be eligible to graduate to the unsecured Cash+ card.
Restrictions to know
Requires a refundable $300–$5,000 security deposit held in a U.S. Bank secured savings account; no public welcome bonus. Cardmember must choose and activate categories each quarter. The 5% category rate is capped at $2,000 in combined eligible purchases per quarter; purchases above the cap and purchases made without category activation earn 1%. Discount stores, supercenters, and wholesale clubs are excluded from elevated everyday categories. Graduation is subject to review and not guaranteed.
Who can apply
Subject to U.S. Bank approval; secured account requires an approved refundable security deposit plus identity and income verification.
Credit profile: Not Public / issuer underwriting applies