U.S. Bank Cash+ Visa Secured
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The U.S. Bank Cash+® Visa® Secured Card is a secured card designed for people who need to establish or rebuild their credit. It offers up to 5% cash back while rebuilding your credit, but it comes with a high APR at 26.74%, plus you need to put down a security deposit. We dive into the details and your approval odds in this U.S. Bank Secured review.
Our Rating
4.6/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
N/a
Reward Rate
1% – 5%
0% on Balance Transfers
N/a
Welcome Offer
None
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Choose your due date, 24/7 customer service |
Travel Perks | None |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each foreign transaction |
Regular APR | 27.49% (V) APR |
What Credit Score Is Required to Get the U.S. Bank Cash+® Visa® Secured Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 518
Average Approved Credit Score: 666
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/11/2022 | Equifax | ||
Approved | 02/11/2022 | TransUnion | ||
Approved | 08/05/2023 | Experian | ||
Approved | 02/08/2022 | Experian | ||
Approved | 02/08/2022 | Equifax | ||
Approved | 02/08/2022 | TransUnion | ||
Approved | 01/20/2022 | Experian | ||
Approved | 01/20/2022 | TransUnion | ||
Approved | 01/20/2022 | Equifax |
Pros & Cons
- No annual fee
- Up to 5% cash back
- No welcome bonus
- High APR
- Foreign transaction fee
What Are the Best Alternatives?
Secured Chime Credit Builder Visa® Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0
Capital One Platinum Secured Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating
4.8
Rewards Range
1.5%
Annual Fee
$0