US Bank SKYPASS Visa Secured Card
in Personal Credit Cards
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Overview
Who is this credit card designed for?
US Bank SKYPASS Visa Secured Card is a secured credit card issued by US Bank, which is based in Minneapolis, MN. Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.
US Bank SKYPASS Visa Secured Card is designed for people with a credit score of 300 to 700. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks.
This card has a credit limit of $5000. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.
What are the relevant APRs?
US Bank SKYPASS Visa Secured Card has a variable purchase APR starting at 17.74%.
The card has a variable balance transfer APR starting at 17.74%.
It also has a variable cash advance APR starting at 20.99%.
Is an introductory APR offer available?
No, US Bank SKYPASS Visa Secured Card does not come with an introductory APR offer for balance transfers.
US Bank SKYPASS Visa Secured Card does not offer an introductory rate on new purchases.
What are the fees?
The following fees apply to US Bank SKYPASS Visa Secured Card:
- An annual fee of $50. Make sure the rewards and benefits of this card justify the cost of the annual fee.
- A late payment penalty of $38.
- A returned payment fee of $35.
- There is no overlimit fee
- A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.
Is a rewards program offered?
US Bank SKYPASS Visa Secured Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:
- Every Purchase
Is a signup bonus offered?
US Bank SKYPASS Visa Secured Card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Is an annual loyalty bonus offered?
US Bank SKYPASS Visa Secured Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 1000 points that can be redeemed for travel, gifts, and other perks.
What additional benefits are offered?
US Bank SKYPASS Visa Secured Card provides the following benefits:
Does US Bank SKYPASS Visa Secured Card report your account activity to credit bureaus?
US Bank SKYPASS Visa Secured Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - Visit Site
Other Services by US Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Grace Period for Late Payment (Days) | 24 |
| Over-Limit Fee | $0 |
| Late Payment Penalty | $38 |
| Returned Payment Fee | $35 |
| Minimum Interest Charge | $2 |
| Annual Fee | $50 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 3% |
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