Compare U.S. Bank’s Best Credit Building Card Options
|
Card |
Best For |
Credit Building Structure |
Who Should Consider This Card? |
Learn More |
|---|---|---|---|---|
|
U.S. Bank Altitude® Go Secured Visa® Card |
Building credit while earning points on dining and everyday spending |
Start with a refundable security deposit of $300 to $5,000, which becomes your credit limit. U.S. Bank reports card activity to the three major credit bureaus. |
Cardholders who want a credit building card that also earns points on dining, groceries, gas, EV charging, streaming services and other eligible purchases. |
|
|
U.S. Bank Secured Visa® Card |
A straightforward way to build or re-establish credit |
Use a secured credit line backed by a refundable deposit and make on-time payments to help build credit history over time. |
Cardholders who want a simple secured credit card, credit bureau reporting and core Visa benefits. |
|
|
U.S. Bank Cash+® Secured Visa® Card |
Building credit while earning customizable cash back |
Start with a refundable security deposit of $300 to $5,000, use the card responsibly and earn cash back on eligible purchases while building credit. |
Cardholders who want a secured credit card with flexible cash back categories, including 5% cash back categories they choose and 2% cash back in one everyday category. |
|
|
Card |
Best For |
|---|---|
|
U.S. Bank Altitude® Go Secured Visa® Card |
Building credit while earning points on dining and everyday spending Credit Building Structure Start with a refundable security deposit of $300 to $5,000, which becomes your credit limit. U.S. Bank reports card activity to the three major credit bureaus. Who Should Consider This Card? Cardholders who want a credit building card that also earns points on dining, groceries, gas, EV charging, streaming services and other eligible purchases. Learn More
|
|
U.S. Bank Secured Visa® Card |
A straightforward way to build or re-establish credit Credit Building Structure Use a secured credit line backed by a refundable deposit and make on-time payments to help build credit history over time. Who Should Consider This Card? Cardholders who want a simple secured credit card, credit bureau reporting and core Visa benefits. Learn More
|
|
U.S. Bank Cash+® Secured Visa® Card |
Building credit while earning customizable cash back Credit Building Structure Start with a refundable security deposit of $300 to $5,000, use the card responsibly and earn cash back on eligible purchases while building credit. Who Should Consider This Card? Cardholders who want a secured credit card with flexible cash back categories, including 5% cash back categories they choose and 2% cash back in one everyday category. Learn More
|
What is a credit building card?
A credit building card is a credit card designed to help you build or rebuild credit with responsible use. Many credit building cards are secured credit cards, which means your credit limit is backed by a refundable security deposit. With U.S. Bank secured cards, your activity is reported to the three major credit bureaus, so using the card within your limit and paying on time can help build your credit history over time.
How do credit building cards work?
Credit building cards work by giving you access to a credit line that can help establish payment history when used responsibly. With a secured credit card, your refundable security deposit typically becomes your credit limit. The U.S. Bank Altitude® Go Secured Visa® Card, U.S. Bank Secured Visa® Card and U.S. Bank Cash+® Secured Visa® Card are secured cards that can be used anywhere Visa is accepted, and U.S. Bank reports card activity to the three major credit bureaus.
How do you choose the best credit building card?
To choose the best credit building card, compare the required security deposit, annual fee, credit bureau reporting, rewards structure and whether the card fits your everyday spending. If you want rewards on dining and streaming while building credit, consider the U.S. Bank Altitude® Go Secured Visa® Card. If you want a simple secured card focused on building or re-establishing credit, consider the U.S. Bank Secured Visa® Card. If you want customizable cash back while building credit, consider the U.S. Bank Cash+® Secured Visa® Card.
How can secured credit cards help build credit?
Secured credit cards can help build credit when you use the card responsibly, keep balances manageable and make payments on time. Because U.S. Bank reports secured card activity to the three major credit bureaus, consistent on-time payments on cards like the U.S. Bank Altitude® Go Secured Visa® Card, U.S. Bank Secured Visa® Card or U.S. Bank Cash+® Secured Visa® Card can support your credit-building journey.
Common Questions About Credit Building Cards
A credit building card is not always the same as a secured credit card, but a secured credit card is one common type of credit building card. Secured cards usually require a refundable security deposit that helps set your credit limit. The U.S. Bank Altitude® Go Secured Visa® Card, U.S. Bank Secured Visa® Card and U.S. Bank Cash+® Secured Visa® Card are secured credit cards designed to help cardholders build or rebuild credit with responsible use.
U.S. Bank secured credit cards generally require a refundable security deposit of $300 to $5,000. In most cases, the amount you deposit becomes your credit limit. Before applying, compare the deposit requirement, annual fee, rewards, credit bureau reporting and card terms for options like the U.S. Bank Altitude® Go Secured Visa® Card, U.S. Bank Secured Visa® Card or U.S. Bank Cash+® Secured Visa® Card.
Yes, some credit building cards let you earn rewards while you build credit. The U.S. Bank Altitude® Go Secured Visa® Card earns points on eligible purchases, including dining, grocery stores, gas stations, EV charging stations and streaming services. The U.S. Bank Cash+® Secured Visa® Card earns cash back in selected categories, including two 5% cash back categories you choose and one 2% everyday category.
Rewards can add value, but responsible credit habits matter most when building credit. Use the card for purchases you can afford, keep your balance manageable and make payments on time each month.
Additional Resources
Explore these related resources to learn how secured credit cards work, how to build credit responsibly and how to compare credit building card options:
Start of disclosure content
Disclosures