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Card reviewUS Bank
Updated Apr 14, 2026 · research
UB
US BankEditorially reviewed

U.S. Bank Secured Visa® Card

Enjoy no annual fee and credit-building benefits with a security deposit of $300 to $5,000.

Entry LevelPersonal
Visa
Credit profile: poor
$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
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Pros & Cons

Pros

  • No annual fee keeps the cost of credit building low
  • Flexible security deposit range of $300 to $5,000 suits different financial situations
  • Free credit score monitoring is built into the mobile app and online banking
  • Customizable payment due date helps cardholders avoid missed payments
  • Zero fraud liability provides protection against unauthorized charges

Cons

  • No rewards program, so everyday spending earns nothing back
  • Credit limit is capped at your security deposit amount, limiting purchasing power
  • Requires an upfront cash deposit that ties up funds
  • No balance transfer or introductory APR features mentioned

Key Takeaways

  • A $300 to $5,000 refundable security deposit sets your credit limit
  • No annual fee makes this one of the lower-cost secured card options available
  • Free credit score access via the U.S. Bank app supports ongoing credit monitoring
  • No rewards program is offered, so this card is purely a credit-building tool
  • Standard Visa Zero Fraud Liability protects cardholders from unauthorized charges

Fees

Fee TypeAmount
Annual Fee$0

Card Benefits

4 benefits

Purchase Protection

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Customizable Payment Due Date

The ability to choose your own payment due date is a simple but practical feature that many secured cards do not offer. Aligning your due date with your pay schedule reduces the risk of late payments, which is especially important when actively building credit.

Built-In Credit Score Monitoring

Access to your credit score directly through the U.S. Bank mobile app or online banking means you can track the impact of your responsible card use in real time, without needing a third-party service.

Frequently Asked Questions

What is the security deposit requirement for the U.S. Bank Secured Visa® Card?
The security deposit ranges from a minimum of $300 to a maximum of $5,000. The amount you deposit becomes your credit limit. This deposit is held by U.S. Bank and is refundable when you close or upgrade your account in good standing.
Does the U.S. Bank Secured Visa® Card have an annual fee?
No, the U.S. Bank Secured Visa® Card has a $0 annual fee. This makes it a low-cost option for those focused on building credit without incurring recurring charges.
What credit score do I need to apply for this card?
This card is designed for applicants with poor credit, making it accessible to those with limited or damaged credit histories. A security deposit is required in place of a traditional creditworthiness requirement.
Does the U.S. Bank Secured Visa® Card earn rewards?
The canonical card data does not list any rewards or cash back program for this card. It is primarily designed as a credit-building tool rather than a rewards card.
Can I see my credit score for free with this card?
Yes, cardholders can view their credit score at any time through the U.S. Bank mobile app or online banking portal. This feature allows you to track your credit-building progress over time.
Can I choose when my payment is due each month?
Yes, U.S. Bank allows cardholders to select a payment due date that fits their personal schedule. This flexibility can help you align your bill with your pay cycle and avoid missed payments.
Am I protected against fraudulent charges?
Yes, the card includes Zero Fraud Liability under the standard Visa policy. This means you are not held responsible for unauthorized charges, provided you report them promptly.
How do I increase my credit limit on this card?
Because the credit limit equals your security deposit, increasing your limit would require adding to your deposit up to the $5,000 maximum. Responsible use and on-time payments may also support future account reviews with U.S. Bank.
Is the U.S. Bank Secured Visa® Card a personal or business card?
This card is designed for personal use. It is not intended for business cardholders.
How does this card help me build credit?
U.S. Bank reports your account activity to the major credit bureaus, so responsible use, including on-time payments and keeping balances low, can help establish or improve your credit history over time. The free credit score access tool lets you monitor your progress directly in the app.

About This Card

This card is best for individuals with poor or no credit history who want a straightforward, no-annual-fee secured card to establish or rebuild their credit profile. It suits those who value free credit score tracking and flexible payment scheduling over rewards earning.

Start with a security deposit of $300 to $5,000 and $0 annual fee. View your credit score anytime, anywhere in the mobile app or online banking. Choose your payment due date. Zero fraud liability.

The U.S. Bank Secured Visa® Card pairs a $0 annual fee with a wide deposit range and built-in credit score monitoring, offering a no-cost, transparent path to credit building backed by a major national bank.

Ready to Decide?

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

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Card Categories

SecuredCredit 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
  • 4 of 4 benefits rated high confidence
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Read our full methodology for how we collect, verify, and rate credit cards.

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