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.

Additional benefits

Zero fraud liability

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


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

Fraud protection

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

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 digital wallet. Convenient and secure, you can pay with just a tap.

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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CC-001 May charge fees
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CC-006 Contactless trademark
CC-007 Creditor and issuer - Visa