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Card reviewUS Bank
Updated Apr 14, 2026 · research
UB
US BankU.S. Bank Cash+Editorially reviewed

U.S. Bank Cash+® Secured Visa® Card

Build credit and earn cash back. Earn unlimited cash back while building credit for the future. Start with a security deposit of $300 to $5,000 and $0 annual fee.

Entry LevelPersonal
Visa
Credit profile: poor
$0
Annual fee
0.05% back two categories you choose
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

0 bonus

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Earning Rates

two categories you choose
0.05%cash back

each quarter

one everyday category you choose
0.02%cash back

each quarter

all other eligible purchases
0.01%cash back

Pros & Cons

Pros

  • No annual fee
  • Customizable cash back up to 5% on chosen categories
  • Secured card helps build credit
  • Unlimited 1% cash back on other purchases

Cons

  • Requires security deposit of $300 to $5,000
  • No welcome bonus
  • Rewards require quarterly category selection
  • Entry-level for poor credit only

Key Takeaways

  • Security deposit of $300 to $5,000 sets credit limit
  • Zero annual fee for ongoing use
  • 5% cash back on two chosen categories per quarter
  • 2% on one everyday category and 1% base rate
  • Visa network for broad acceptance

Fees

Fee TypeAmount
Annual Fee$0

Hidden Gems

Quarterly Category Flexibility

Choose two 5% categories and one 2% everyday category each quarter to match spending habits.

High Deposit Credit Limit

Up to $5,000 deposit allows a substantial credit limit for a secured card.

Frequently Asked Questions

What is the annual fee for the U.S. Bank Cash+ Secured Visa Card?
The card has no annual fee. This applies every year.
What security deposit is required?
A security deposit of $300 to $5,000 is required. The deposit amount sets the credit limit.
What credit score is needed to apply?
The card requires poor credit. It is designed for entry-level secured card users.
How do the cash back rewards work?
Earn 5% cash back on two categories chosen each quarter. Earn 2% on one everyday category chosen each quarter and 1% on all other eligible purchases.
Is there a welcome bonus offer?
No welcome bonus is available. Rewards start with regular purchases.
What network does the card use?
It is a Visa card. This provides wide acceptance.
Who is this card for?
It suits personal use for those building credit. The entry-level secured design fits poor credit profiles.
Can categories for higher rewards change?
Yes, choose two 5% categories and one 2% everyday category each quarter.

About This Card

This card fits people with poor credit seeking to build credit history through a secured card. It appeals to those wanting customizable cash back without an annual fee.

Earn unlimited cash back while building credit for the future. Start with a security deposit of $300 to $5,000 and $0 annual fee. Up to 5% cash back on two categories you choose each quarter. 2% cash back on one everyday category you choose each quarter. 1% cash back on all other eligible purchases.

It offers customizable up to 5% cash back categories on a secured card, which is uncommon for credit-building products.

Ready to Decide?

Apply for the U.S. Bank Cash+® Secured Visa® Card

0 bonus with no annual fee.

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Reward Program

U.S. Bank Cash+

Earns Cash Back

Learn more

Card Categories

CashbackSecuredCredit Building

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
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