U.S. Bank Cash+® Secured Visa® Credit Card
Basic Information
Program ID: us-bank-cash-plus-visa-secured-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Secured
Data Complete: Yes
Created: 01/15/2026 16:43
Last Scraped: 01/15/2026 16:45
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
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: No traditional sign-up bonus is currently offered for the U.S. Bank Cash+ Secured Visa Credit Card. The card's primary benefits are its ongoing cash back rewards and the opportunity to build credit.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Choose 2 categories for 5% cash back (e.g., Fast Food, Home Utilities, Cell Phone Providers, Ground Transportation, Department Stores, Electronic Stores, Gyms/Fitness Centers, Movie Theaters, Select Clothing Stores, Sporting Goods Stores, TV, Internet & Streaming Services), and 1 category for 2% cash back (e.g., Gas Stations & EV Charging Stations, Grocery Stores, Restaurants). All other purchases earn 1% cash back.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 300 - 670
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the U.S. Bank Cash Plus Visa Secured Card (for 2026, based on current policies) requires applicants to be at least 18 years old (19 in Alabama and Nebraska), possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. Applicants must also be able to provide a security deposit, typically ranging from $300 to $5,000, which determines the credit limit. This card is designed for individuals looking to build or rebuild their credit history. U.S. Bank's '2/12 Rule' applies to all personal credit card applications, including secured cards: applicants will generally not be approved for more than 2 new U.S. Bank personal credit cards within the past 12 months. Secured cards, including this one, typically do not offer a sign-up bonus or welcome offer. The primary benefit is credit building and access to U.S. Bank's Cash Plus rewards program on eligible spending. While there is no strict, published maximum number of U.S. Bank credit cards an individual can hold, approvals are subject to overall creditworthiness and total credit exposure with the bank.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable (no sign-up bonus)
Shutdown Risk Triggers: Manufactured spending, excessive credit limit increases across accounts, high cumulative credit limit with U.S. Bank, repeated late payments, defaulting on the security deposit or card payments, suspicious account activity, or engaging in fraudulent behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent cash back rewards (5% in chosen categories) for a secured card, effective tool for building or rebuilding credit, potential for graduation to an unsecured card.
Top Negative Feedback:
Requires a security deposit, credit limit is tied to the deposit amount, U.S. Bank's underwriting can be strict even for secured card applicants.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Discover it Secured Credit Card
- Capital One Platinum Secured Credit Card
- Chime Credit Builder Visa Secured Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $190.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 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