U.S. Bank Cash+® Secured Visa® Credit Card

U.S. Bank Visa Secured Pending

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16

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: us-bank-cash-plus-visa-secured-card

Issuer: U.S. Bank

Card Name: U.S. Bank Cash+® Secured Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Secured

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:43

Last Scraped: Jan 15, 2026 16:45

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Chosen 5% Category 1 Rotating	5x	Cash Back	Earn 5% cash back on purchases in one of two categories you choose each quarter. This rate applies to the first $2,000 in combined eligible net purchases across both chosen 5% categories each quarter, then 1%.	No Cap
Chosen 5% Category 2 Rotating	5x	Cash Back	Earn 5% cash back on purchases in the second of two categories you choose each quarter. This rate applies to the first $2,000 in combined eligible net purchases across both chosen 5% categories each quarter, then 1%.	No Cap
Chosen 2% Everyday Category Rotating	2x	Cash Back	Earn 2% cash back on purchases in one everyday category you choose each quarter (e.g., gas stations and EV charging stations, grocery stores, or restaurants).	No Cap
All Other Purchases	1x	Cash Back	Earn 1% cash back on all other eligible purchases.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

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.

Quarterly Rotating: Yes

Cap Amount: $2,000.00

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A

Redemption Penalties: N/A

Benefits & Protections (Detailed) 16 Total

PENDING

Credit Building 3

Credit Bureau Reporting

Reports to major credit bureaus

U.S. Bank reports your payment activity to major credit bureaus, helping you establish and build a positive credit history.

Unsecured Card Upgrade Opportunity

Potential for upgrade to an unsecured card

As you demonstrate responsible credit behavior, you may become eligible to upgrade to an unsecured U.S. Bank credit card, allowing for the return of your security deposit.

Refundable Security Deposit

Deposit amount determines credit limit, refundable

A refundable security deposit is required to open the account, which helps establish your credit limit and secures the card. The deposit is returned upon account closure with a zero balance or upgrade to an unsecured card.

Security 4

$0 Fraud Liability

$0 liability for unauthorized transactions

You are protected from unauthorized purchases with $0 fraud liability, a standard benefit provided by Visa.

Account Alerts

Customizable notifications

Receive customizable alerts for suspicious activity, low balance, or payment due dates directly from U.S. Bank.

Digital Wallet Compatibility

Supports major digital wallets

Easily add your card to popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Card Lock

Instant card locking capability

Instantly lock your card from your mobile device or online banking if it's misplaced or stolen, preventing new purchases.

Shopping 5

5% Cash Back on Chosen Categories

5% cash back, up to $2,000 in purchases per quarter

Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose from a list provided by U.S. Bank.

2% Cash Back on Everyday Category

2% cash back

Earn 2% cash back on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants.

1% Cash Back on All Other Purchases

1% cash back

Earn 1% cash back on all other eligible net purchases.

Non-Expiring Cash Back Rewards

Rewards do not expire

Cash back rewards do not expire as long as your account remains open.

Flexible Cash Back Redemption

Multiple redemption options

Redeem cash back as a statement credit, a deposit into a U.S. Bank checking or savings account, or as a U.S. Bank Rewards Card.

Travel Insurance 4

Emergency Card Replacement (Visa Benefit)

Expedited card replacement

If your card is lost or stolen, Visa can arrange for a replacement card to be sent to you, often within 1-3 business days.

Emergency Cash Disbursement (Visa Benefit)

Emergency cash access

If your card is lost or stolen, Visa can arrange for emergency cash to be sent to you, typically available within hours.

Roadside Dispatch® (Visa Benefit)

Access to pay-per-use roadside assistance

A pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for service fees.

Travel and Emergency Assistance Services (Visa Benefit)

Referral services for emergencies while traveling

Provides a referral service for medical, legal, and travel-related emergencies while traveling. Cardholders are responsible for the cost of third-party services.

Benefits Summary (Flags)

PENDING

Extended 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

Sign-Up Bonus

PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

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.

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

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

300 - 670

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

Experian, TransUnion, Equifax

Issuer Rules & Policies

PENDING

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.

Max Cards Per Issuer: 7

Min 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.

Cliff Effect Rules: None known for this card or issuer regarding bonus eligibility or card family restrictions beyond the general 2/12 application rule.

Special Events: Not applicable (this is a general-purpose Visa card, not a store-specific card).

Holiday Promos: Not applicable (application rules are not tied to specific holiday promotional periods).

International Friendly: No

User Analytics & Insights

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User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 85.0%

Version Control

PENDING

Version ID: v1.0