U.S. Bank Cash+<sup>®</sup>Secured Visa<sup>®</sup> Card Secured Card

U.S. Bank Cash+®Secured Visa® Card

Earn cash back while you
build your credit.1

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Secured Card
The smart choice for more cash back with up to 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations and EV charging stations or grocery stores. Plus, earn 1% unlimited cash back on all other eligible purchases.2

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    Apply and fund online using your checking or savings account.

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    If approved, your credit line will be the same amount as your deposit.

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    Your refundable deposit is held in a secured savings account.  Your card limit is the same as your deposit.3

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    Use your card for purchases and for paying your monthly bills.

Apply now

Questions? Contact your banker:

Stephanie Shephard

Email

  • Privacy Cobrowse Your California privacy choices

    U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

    Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points or Cash Back, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for Cash Back based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

    Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    1. Late payments and going over the credit limit may damage your credit history.

    2. Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. As U.S. Bank cannot control how merchants choose to classify transactions, U.S. Bank cannot guarantee a transaction will qualify. Upon approval, full details will be provided in your Cardmember Agreement. Rewards are earned through eligible Net Purchases. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back). Subject to applicable law, you may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

    3. Your deposit must be in hundred-dollar increments. Minimum of $300, maximum of $5,000. The savings account is FDIC-insured and earns interest. Purchases with the U.S. Bank Cash+ Secured Visa Card are billed to you each month as with any credit card. Payments are not automatically deducted from your secured savings account. You're responsible for making at least your minimum payment by the due date.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

    The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

    ©2024 U.S. Bank