U.S. Bank Secured Visa® Card

Enjoy no annual fee View U.S. Bank Secured Visa Credit Card Terms and Conditions and credit-building benefits.1

See annual fee and full terms

U.S. Bank Secured Visa® Card

Enjoy no annual fee View U.S. Bank Secured Visa Credit Card Terms and Conditions and credit-building benefits.1

Start with a security deposit of $300 to $5,000 and $ annual fee.

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 date3

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 stolen4

How credit-building cards work

Set your credit limit.

Your card limit is the same amount as your refundable security deposit. It's held in a secured savings account with U.S. Bank.

Use your card for everyday 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 a credit card that helps build credit.

See 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

Access your account 24/7.

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

Apply now

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

Make 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.

Use your Mobile Wallet

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

Set up autopay

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

Looking for a credit card with different benefits?

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

Compare all cards

Common questions about the U.S. Bank Secured Card

The U.S. Bank Secured Visa® Card is designed for people who want to build or re-establish their credit history. The card reports account activity to the three major credit bureaus, helping cardholders build credit through responsible use over time.

The U.S. Bank Secured Visa® Card regularly reports account activity to the three major credit bureaus. Making payments on time and staying within your credit limit can help establish or strengthen your credit history.

The card requires a refundable security deposit between $300 and $5,000. The amount of the deposit becomes the card's credit limit and is held in a U.S. Bank secured savings account.

U.S. Bank secured credit card products are designed for people looking to build or rebuild credit with responsible use. These products can help individuals who have limited credit history or who are working to improve their credit.1

No. The U.S. Bank Secured Visa® Card has a $ annual fee, allowing cardholders to focus on building credit without paying an annual fee.

Yes. Cardholders can view their credit score through the U.S. Bank Mobile App or online banking.

Yes. Everyday purchases combined with responsible repayment habits can help support credit-building goals.1

The security deposit is held in a U.S. Bank secured savings account. The deposit will not be used as long as the account remains open and in good standing and may be returned if the account is upgraded or closed.

The card includes Zero Fraud Liability, meaning cardholders are not responsible for unauthorized transactions if the card is lost or stolen. The card also supports contactless payments and mobile wallet functionality.

The U.S. Bank Secured Visa® Card may be a good option for people looking to build credit. The card provides a way to establish a credit history while accessing the convenience of a Visa credit card.1

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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.

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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 the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and 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.

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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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.