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.

Enjoy cash back on everyday purchases.2

5% cash back

On your first $2,000 in combined eligible purchases each quarter in two categories you choose3

5% cash back

On prepaid air, hotel and car reservations booked directly in the Rewards Travel Center3

2% cash back

On eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants)3

1% cash back

On all other eligible purchases3

Apply now

Earn on your favorite categories.

To earn cash back, choose and activate your Cash+ Categories. You’ll earn with every eligible purchase. Redeem your cash back anytime online.2

5% cash back on two categories you choose

  • Fast food
  • Home utilities
  • TV, internet and streaming
  • Department stores
  • Cell phone providers
  • Electronic stores

More 5% cash back categories

  • Sporting goods stores
  • Movie theaters
  • Gyms/fitness centers
  • Furniture stores
  • Ground transportation
  • Select clothing stores

2% cash back on one everyday category

  • Grocery stores and grocery delivery
  • Restaurants
  • Gas stations and
    EV charging stations

Plus, earn 1% cash back on all other eligible purchases.

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

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.

Mobile Wallet

Add the Cash+ Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.

Autopay

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

ID Navigator Powered by NortonLifeLock

Get tools that help keep you informed of threats that may affect your identity.6

U.S. Bank offers a variety of secured credit cards. Learn which card can help you build credit.

Looking for a credit card with different benefits?

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

Compare all cards

Frequently asked questions

U.S. Bank credit score requirements vary by product. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.

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.

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules for additional information.

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  1. Late payments and going over the credit limit may damage your credit history.

  2. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back). You may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  3. Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category.  Purchases over $2,000 in the 5% categories will earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction.  In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card.  Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details.

  4. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  5. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  6. No one can prevent all identity theft.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.