THE CARDTUNED DATABASE
U.S. Bank Secured Visa Card
Issuer: U.S. Bank · Network: Visa
No rewards; designed to build or rebuild credit history
- 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.
Additional benefits
• Designed to build or re-establish credit through regular reporting to the three major credit bureaus.
• Free access to an educational credit score through U.S. Bank online and mobile banking.
• Choose an available payment due date and set up AutoPay.
• Zero Fraud Liability for qualifying unauthorized transactions.
• Contactless payments, mobile-wallet support, and 24/7 account access.
Restrictions to know
No rewards program and no public welcome offer. Requires a refundable security deposit of $300–$5,000 held in a secured U.S. Bank savings account; the deposit equals the credit limit. The savings account is FDIC-insured and earns interest. Deposit is generally returned only if the account is upgraded or closed in good standing. Late payments and over-limit behavior may damage credit. Free credit score is an educational VantageScore and is not the score U.S. Bank necessarily uses for lending decisions.
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