$0
Annual fee
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Card reviewUS Bank
Updated Jul 3, 2026 · researchUB
US BankEditorially reviewed
U.S. Bank Secured Visa® Card
A $0 annual fee secured Visa card with a $300 to $5,000 security deposit and credit-building benefits.
Entry LevelPersonal
Visa
Credit profile: fair$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
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 Type | Amount |
|---|---|
| Annual Fee | $0 |
Card Benefits
9 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 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.
The U.S. Bank Secured Visa Card is a secured Visa credit card for building or re-establishing credit. It has a $0 annual fee, requires a $300 to $5,000 refundable security deposit, reports card status to the three major credit bureaus, and includes features such as free credit score access, payment due date selection, zero fraud liability, contactless payments, Mobile Wallet support and autopay.
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.
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Apply for the U.S. Bank Secured Visa® Card
Current offer available with no annual fee.
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