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

US Bank Secured Visa Card Review

US Bank Secured Visa Card is a secured credit card credit card issued by US Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. 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.

This card has a minimum credit limit of 5000.

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.

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.

US Bank Secured Visa Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the US Bank Secured Visa Card benefits?

US Bank Secured Visa Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

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

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?

No, US Bank Secured Visa Card does not come with an introductory APR offer for balance transfers. US Bank Secured Visa Card does not offer an introductory rate on new purchases.
US Bank Secured Visa Card Balance Transfers
Description
Balance Transfer APR 20.74%
Introductory Rate N/A
Intro APR period (months) N/A
US Bank Secured Visa Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 20.74%
Credit Limit 5000
Penalty APR N/A
Cash Advance APR 25.74%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

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

No Interest Grace Period for Late Payment 24
Over-Limit Fee $0
Annual Fee $29
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Co-signing Allowed  
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 300 - 640
Card Network
  • Visa
Card Type
  • Bad Credit
  • Secured
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
Fraud Liability  
Cash Advance APR (Variable APR) 25.74%
Purchase APR (Variable APR) 20.74%
Balance Computation average daily balance (including new purchases)
Credit Limit 5000
Balance Transfer APR (Variable APR) 20.74%

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