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 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 (excludes discount stores/supercenters and wholesale clubs). Plus, earn 1% unlimited cash back on all other 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.

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Questions? Contact your banker:

Mark A Krueger

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 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. See your Cardmember Agreement for details. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back.

    Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. 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). 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 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. IMPORTANT CHANGE: Effective April 14, 2025, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will only earn 1% cash back. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will only earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card. Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details. 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. The redemption value may be different if you choose to redeem your cash back for other rewards. 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 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