U.S. Bank Secured Visa® Card
Basic Information
Program ID: secured-visa-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:28
Last Scraped: 01/15/2026 08:08
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: None
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not earn rewards.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 500 - 669
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - This card typically does not offer a sign-up bonus with a minimum spend requirement.
Shutdown Risk Triggers: Manufactured spending, defaulting on other U.S. Bank products, high cumulative credit limit across U.S. Bank cards, sudden and drastic changes in spending patterns, prolonged inactivity on the card, excessive credit seeking (especially after approval), or providing inaccurate information on the application.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
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 Feedback:
Requires a security deposit; charges an annual fee ($29); does not offer a rewards program; initial credit limits can be low.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0