Secured Visa® Card | U.S. Bank (2024)

Build your credit and create a foundation for the future.1

The U.S. Bank Secured Visa® Card can be used like any other credit card and is accepted world-wide with no annual fee View U.S. Bank Secured Visa Credit Card Terms and Conditions.

Apply now

Mobile Carrier Terms.2

Secured Visa® Card | U.S. Bank (1)
Secured Visa® Card | U.S. Bank (2)

How credit-building cards work

Set your credit limit.

Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.

An everyday card for your purchases.

Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card.

Build your credit.

We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit.

Enjoy credit-building benefits

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.3

Choose your payment due date

Everyone's schedule is different. So it's handy to be able to pick when your payment is due.4

24/7 account access

Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.

Apply now

Additional benefits

Choose your payment due date.

Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.4

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.5

Contactless payments

Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.

Mobile Wallet

Add the Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.


Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.

ID Navigator Powered by NortonLifeLock

Get tools that help keep you informed of threats that may affect your identity.6

Secured Visa® Card | U.S. Bank (3)

Looking for a credit card with different benefits?

Check out our wide range of cards that could fit your needs.

Compare all cards

Frequently asked questions

U.S. Bank credit score requirements vary by product. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.

The U.S. Bank Secured Visa Card is a secure, convenient payment solution for building or re-establishing credit. Purchases made with the Secured Visa Card are billed each month like any credit card and payments are reported to all credit bureaus to build credit history.

Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.

The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.

Return to star ratings

Start of disclosure content


U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Start of disclosure content


Return to content, Footnote

  1. Late payments and going over the credit limit may damage your credit history.

  2. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

  3. Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView Dashboard are available to U.S.Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S.Bank to make credit decisions.

  4. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  5. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  6. No one can prevent all cybercrime or all identity theft.

Start of disclosure content

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.



Financial education

Site map




Your California privacy choices


U.S. Bank
800 Nicollet Mall
Minneapolis, MN 55402

©2024 U.S. Bank

end of main

Secured Visa® Card | U.S. Bank (2024)
Top Articles
Latest Posts
Article information

Author: Frankie Dare

Last Updated:

Views: 5571

Rating: 4.2 / 5 (53 voted)

Reviews: 92% of readers found this page helpful

Author information

Name: Frankie Dare

Birthday: 2000-01-27

Address: Suite 313 45115 Caridad Freeway, Port Barabaraville, MS 66713

Phone: +3769542039359

Job: Sales Manager

Hobby: Baton twirling, Stand-up comedy, Leather crafting, Rugby, tabletop games, Jigsaw puzzles, Air sports

Introduction: My name is Frankie Dare, I am a funny, beautiful, proud, fair, pleasant, cheerful, enthusiastic person who loves writing and wants to share my knowledge and understanding with you.