Start with a security deposit of $300 to $5,000.2
Plus, no annual fee.
Calculate your potential points
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Secured credit card can be used like any other credit card, and is accepted worldwide.
Accepted worldwide
Anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.3
View your credit score
You are not responsible for unauthorized transactions if your card is ever lost or stolen.4
Zero fraud liability
Everyone's schedule is different. So, it's handy to be able to pick when your payment is due.5
Choose your payment due date
Apply and fund online using your checking or savings account.
If approved, your credit line will be the same amount as your deposit.
Your refundable deposit is held in a secured savings account. Your card limit is the same as your deposit.2
Use your card for purchases and for paying your monthly bills.
How credit-building cards work
U.S. Bank Secured Visa® Card
Frequently asked questions
What credit score is needed to apply for the U.S. Bank Secured Visa card?
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.
What are the main features of the U.S. Bank Secured Visa Card?
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.
Who can benefit from carrying the Secured Visa Card?
Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.
What is the security deposit used for?
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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john.kurkin@usbank.com
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