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.

An everyday card for your purchases.

Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional 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.

Enjoy credit-building benefits

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.2

Choose your payment due date

Everyone's schedule is different. So it's handy to be able to pick when your payment is due.3

24/7 account access

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

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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.3

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.4

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 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.5

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.

The U.S. Bank Secured Visa Card is a secure, convenient payment solution for building or re-establishing credit. Purchases made with the Secured Visa Card are billed each month like any credit card and payments are reported to all credit bureaus to build credit history.

Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.

The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.

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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.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

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

  2. Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S. Bank to make credit decisions.

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

  4. 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.

  5. No one can prevent all cybercrime or 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.