5% cash back
On your first $2,000 in combined eligible purchases each quarter in two categories you choose3
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 credit 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 Cash+® Visa Signature® Card. Upon graduation, your security deposit will be returned.
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
Your refundable deposit is held in a secured U.S. Bank savings. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
There are three ways to redeem your cash back:
- A statement credit to your account
- A direct deposit to your U.S. Bank checking, savings or money market account
- A U.S. Bank Rewards Card
There is no limit on the total cash back you can earn. Rewards redemption starts at $25.
Start of disclosure content
Disclosures
CC-001 May charge fees
CC-002 Account in good standing
Start of disclosure content
Footnote
Return to content, Footnote
Start of disclosure content
CC-006 Contactless trademark
CC-007 Creditor and issuer - Visa