U.S. Bank Cash+ Visa Secured
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
Annual Fee
$0
0% on Purchases
Reward Rate
1% - 5%
0% on Balance Transfers
Welcome Offer
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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/22/2021 | Experian | ||
Approved | 11/29/2021 | Not Provided | ||
Approved | 10/24/2021 | Not Provided | ||
Approved | 01/20/2022 | Experian | ||
Approved | 01/20/2022 | TransUnion | ||
Approved | 01/20/2022 | Equifax |
- 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
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Rewards
Pros & Cons
- No annual fee
- Up to 5% cash back
- No welcome bonus
- High APR
- Foreign transaction fee
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 |
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each foreign transaction |
Regular APR | 27.49% (V) APR |
Our Take
How does the U.S. Bank Secured card compare?
The U.S. Secured Visa offers up to 5% cash back on some purchases, which is very generous for a secured credit card. It doesn't have an annual fee, although you need to put down a security deposit equal to your credit limit. There is also no annual fee. This makes the U.S Bank Secured card an excellent choice for anyone looking to rebuild their credit history.
Who is the U.S. Bank Secured card best for?
The U.S. Bank Secured Visa is an excellent card for those who are trying to establish or rebuild their credit and want a card that offers cash back on purchases.
Who would do better with a different card?
If you want to open a bank account as well, consider the Chime Credit Builder Visa Secured Card. You'll get a spending account with no interest charged, which could save you money. If you don't want to put down a security deposit at all, consider the Petal 1 Visa Card. It also allows you earn cash back on some purchases, although the APR can be high.
What Credit Score is Required to Get the U.S. Bank Secured
Based on data we’ve collected from public forums, a credit score of 690 or higher is ideal. We have seen an approval with a score as low as 672, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/22/2021 | Experian | ||
Approved | 11/29/2021 | Not Provided | ||
Approved | 10/24/2021 | Not Provided | ||
Approved | 01/20/2022 | Experian | ||
Approved | 01/20/2022 | TransUnion | ||
Approved | 01/20/2022 | Equifax |
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