How credit-building cards work

Set your credit limit.

Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.

Get rewarded for everyday purchases.

Use your card everywhere Visa is accepted. Your secured card works and looks like any other credit card. 

Build your credit.

We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it's due. Over time, this will help build your credit and you may be able to automatically graduate to the U.S. Bank Altitude Go Visa Signature Card. Upon graduation, your security deposit will be returned. 

Earn points, plus a streaming credit.

4X points

On dining, takeout and restaurant delivery2

2X points

At grocery stores, grocery delivery, streaming services, gas stations and EV charging stations2

1X point

On all other eligible purchases2

$15 streaming credit

For annual streaming service purchases like Netflix and Spotify®3

Additional benefits

Choose your payment due date.

Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.4

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.5

Fraud protection

Detects and notifies you of any unusual card activity to help prevent fraud.

Autopay

Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.

24/7 account access

Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.

Contactless payments

Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.

Looking for a credit card with different benefits?

Check out our wide range of cards that could fit your needs.

Frequently asked questions

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Disclosures
CC-001 May charge fees
CC-002 Account in good standing
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CC-006 Contactless trademark
CC-007 Creditor and issuer - Visa