U.S. Bank Cash+® Visa® Secured Card
U.S. Bank Cash+® Visa® Secured Card
Accepted Credit Scores
Bad Credit
Minimum Security Deposit
$300
Fees
APR on Purchases
29.99% (V)
Rewards
5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose, and 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center.
2% cash back on your choice of one everyday category, like gas stations, EV charging stations, restaurants or grocery stores.
1% cash back on all other eligible net purchases.
No limit on total cash back earned.
Get your cash back in the following ways: Statement credit, Direct deposit into your U.S. Bank checking or savings account or as a Rewards card.
U.S. Bank Cash+® Visa® Secured Card's Additional Info
Credit limit based on your deposit, from $300 to $5,000.
cash advance fee | 5% (min $10) |
cash advance APR | 29.99% (V) |
foreign transaction fee | 3% |
smart chip | Yes, chip-and-signature |
max late fee | $41 |
max overlimit fee | $0 |
max penalty APR | None |
U.S. Bank Cash+® Visa® Secured Card Pros & Cons
No membership fees
High rewards rate
Bonus rewards categories
Qualify with bad credit
Spending caps on rewards
High regular APR
Foreign fee
Requires security deposit
Compare The U.S. Bank Cash+® Visa® Secured Card vs. Popular Alternatives
minimum deposit$300 | minimum deposit$200 | minimum deposit$200 |
one time fees$0 | one time fees$0 | one time fees$0 |
annual fee$0 | annual fee$0 | annual fee$0 |
monthly fee$0 | monthly fee$0 | monthly fee$0 |
Regular APR29.99% (V) | Regular APR28.24% Variable | Regular APR29.99% (V) |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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How can I get my U.S. Bank Cash+ Secured Card's deposit refunded?
You can get your U.S. Bank Cash+® Visa® Secured Card deposit refunded in full when you close the account with no unpaid balance. U.S. Bank will also return your deposit to you if they graduate your secured card to unsecured. Please note that it can take up to two billing cycles for a deposit refund to be processed.
The only cases where you will not get your full deposit back from a U.S. Bank Cash+® Visa® Secured Card are if there is a balance remaining when you close the...
How can I graduate to a better offer from the U.S. Bank Cash+ Secured Card?
To graduate to a better offer from U.S. Bank Cash+® Visa® Secured Card, use your card responsibly by making payments on time and keeping a low credit utilization. After twelve months from account opening, your account will be reviewed by U.S. Bank. If eligible, your card can graduate to the U.S. Bank Cash+® Visa Signature® Card and your security deposit will be refunded.
What to Know About the U.S. Bank Cash+® Visa® Secured Card Graduation
- Eligibility Criteria: In order to qualify for a graduation, you have to make timely...
How do I apply for the U.S. Bank Cash+ Secured Card?
You can apply for the U.S. Bank Cash+® Visa® Secured Card online, through the card's webpage. This way, you can easily access the credit card application form and complete it at your own pace. But that's not the only way to do it.
How to Apply for the U.S. Bank Cash+® Visa® Secured Card
- Online: Visit the card's webpage and select the “Apply now” button. On the next page, fill in the required information, fund the security deposit and select “Accept...
What's the starting credit limit for the US Bank Cash+ Secured card?
The starting credit limit for the U.S. Bank Cash+® Visa® Secured Card is at least $300. Since this is a secured card, you will need to fund that amount into a security deposit.
Keep in mind that you can also get a credit limit increase by adding more money to the security deposit. You can also request to have your card graduate to unsecured, if you've used it responsibly for at least one year. This could also get you...
How can I do a balance transfer with the U.S. Bank Cash+ Secured card?
To do a balance transfer with the U.S. Bank Cash+® Visa® Secured Card, just call customer service at (800) 285-8585.
U.S. Bank Cash+® Visa® Secured Card balance transfers usually take 10 business days to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.
What to Know Before You Request a U.S. Bank Cash+® Visa® Secured Card Balance Transfer
Transferring a balance to the U.S. Bank Cash+® Visa® Secured Card might not be a great idea because it is...
How can I cancel my U.S. Bank Cash Visa Secured card application?
You can cancel your U.S. Bank Cash+® Visa® Secured Card application by calling customer service at (800) 444-1244, or by visiting a US Bank branch. If you applied online, you may have only a few minutes (or even less than a minute) to contact customer service.
If you are unable to cancel the credit card application before it is processed, you will have to deal with the hard inquiry on your credit report. It's also worth mentioning that keeping a credit card you...
How do I get a U.S. Bank Cash+ Visa Secured card credit limit increase?
You can get a U.S. Bank Cash+® Visa® Secured Card credit limit increase by adding more money to the security deposit. You can do that by mailing a cashier's check or a money order, along with your written request, at the following address:
Cardmember Service
PO Box 6363
Fargo, ND 58125-6363
The request will have to contain some personal information, like your first and last name, your card number, annual income, housing payments and whether you own or...
Do I need to pay a deposit for US Bank Cash+ Secured?
Yes, you need to pay a deposit for the U.S. Bank Cash+® Visa® Secured Card. You can pay $300 or more. Whatever amount you decide to deposit will become the card's credit limit.
When filling out the application, you will have the option to pay the deposit from either a savings or a checking account. If the card graduates to unsecured, or if the account gets closed, the deposit will be refunded to you.
U.S. Bank Cash+® Visa® Secured Card Reviews
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