$29
Annual fee
See the card
Card reviewUS Bank
Updated Aug 14, 2026 · research
US BankCash Rewards
U.S. Bank Cash+® Secured Visa® Card
A $0-annual-fee secured card that helps build credit and earns up to 5% cash back in selected categories.
Entry LevelPersonal
Visa
$0
Annual fee
5% back prepaid air, hotel and car reservations booked directly in the travel center
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Prepaid air, hotel and car reservations booked directly in the Travel Center
5%cash back
Must use this card; described as 1% base cash back plus an additional 4% cash back.
Two chosen 5% categories
5%cash back
Cardmember must enroll each quarter into categories of their choice. Earns on the first $2,000 in combined eligible net purchases across the two chosen categories; purchases over $2,000 earn 1%.
One chosen everyday category
2%cash back
Choose and enroll each quarter. Eligible examples include grocery stores and grocery delivery, restaurants, and gas stations and EV charging stations. Excludes certain purchases at discount stores/supercenters and wholesale clubs.
All other eligible purchases
1%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 Type | Amount |
|---|---|
| Annual Fee | $0 |
Card Benefits
3 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
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.
A secured Visa card for building or rebuilding credit while earning cash back. It requires a refundable security deposit of $300 to $5,000, which sets the credit limit, and offers selectable quarterly cash-back categories.
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
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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- 3 of 3 benefits rated high confidence
- 3 source citations across benefits
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