0
Benefits0
Reward Categories—
Max Reward29.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: None
Base Rate: 0x
Bonus Rate: 0x
Categories: None
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - This card does not earn rewards.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: None
Redemption Penalties: N/A - This card does not earn rewards.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: N/A - No sign-up bonus is currently offered for the U.S. Bank Secured Visa Card as of January 2026. This card is primarily designed for building or rebuilding credit.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The U.S. Bank Secured Visa Card is designed for individuals looking to build or rebuild their credit. Eligibility requires applicants to be at least 18 years old (or 19 in AL/NE), a U.S. resident, and have a Social Security Number or ITIN. A security deposit (minimum typically $300) is required, which determines the credit limit. Applicants should generally have fair, poor, or no credit history. U.S. Bank enforces a strict '2/12 Rule,' meaning applicants will likely be denied if they have opened 2 or more new personal U.S. Bank credit cards in the past 12 months. This card typically does not offer a sign-up bonus.
Max Cards Per Issuer: 5
Min Spend Interval: N/A - This card typically does not offer a sign-up bonus with a minimum spend requirement.
Cliff Effect Rules: The primary 'cliff effect' for U.S. Bank is the '2/12 Rule,' which restricts new personal card approvals if an applicant has opened 2 or more U.S. Bank personal cards in the last 12 months. This rule applies across all personal credit card products, including the Secured Visa, preventing new applications rather than affecting existing card benefits or family-specific bonuses.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Effective tool for building or rebuilding credit history; relatively straightforward application process for those with poor credit; reliable customer service from U.S. Bank.
Top Negative:
Requires a security deposit; charges an annual fee ($29); does not offer a rewards program; initial credit limits can be low.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Discover it® Secured Credit Card
- Capital One Platinum Secured Credit Card
- Chime Credit Builder Visa® Secured Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0