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  US Bank Secured Visa Card

US Bank Secured Visa Card

in Personal Credit Cards from US Bank

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US Bank Secured Visa Card

Unaffiliated

in Personal Credit Cards from US Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 20.74%
Credit Score Range 300 - 640
Annual Fee $29
Purchase APR  (Variable APR) 20.74%

US Bank Secured Visa Card Review

US Bank Secured Visa Card is a secured credit card credit card issued by US Bank.  If you're wondering whether US Bank Secured Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 20.74%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Considers applicants with fair or poor credit.
  • US Bank Secured Visa Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Higher than average purchase APRs.
  • Charges an annual fee of $29.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.

Is there a US Bank Secured Visa Card cash back or rewards program?

No, US Bank Secured Visa Card does not offer a rewards program.

What are the US Bank Secured Visa Card benefits?

US Bank Secured Visa Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for US Bank Secured Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Secured Visa Card has higher than average purchase APRs.

US Bank Secured Visa Card has a variable purchase APR of 20.74%. The card has a variable balance transfer APR of 20.74% . It also has a variable cash advance APR of 25.74% .

Does US Bank Secured Visa Card have an introductory APR offer on balance transfers??

No, US Bank Secured Visa Card does not come with an introductory APR offer for balance transfers.

Does US Bank Secured Visa Card have an introductory APR offer on new purchases??

US Bank Secured Visa Card does not offer an introductory rate on new purchases.

What are the US Bank Secured Visa Card fees?

The following fees apply to US Bank Secured Visa Card:

  • There is no overlimit fee
US Bank Secured Visa Card Fees
Fees Amount
Annual Fee $29
Overlimit Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $35
Late Payment Fee up to $39

Does US Bank Secured Visa Card have a foreign transaction fee?

US Bank Secured Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does US Bank Secured Visa Card report your account activity to credit bureaus?

US Bank Secured Visa Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for US Bank Secured Visa Card

  • Visit the US Bank Secured Visa Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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

Over-Limit Fee $0
No Interest Grace Period for Late Payment 24
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Foreign Currency Transaction Fee 3%
Annual Fee $29
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Bad Credit
  • Secured
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
Cash Advance APR (Variable APR) 25.74%
Purchase APR (Variable APR) 20.74%
Balance Computation average daily balance (including new purchases)
Credit Limit $5,000
Balance Transfer APR (Variable APR) 20.74%

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