Features

Who is US Bank Secured Visa Card Designed For?

The US Bank Secured Visa Card is designed for people who need to rebuild their credit card and want to enjoy the benefits and convenience of a Visa credit card. US Bank accept applicants of all credit types and offers cardholders a quick path to a regular unsecured credit card.

What are the Interest Rates for US Bank Secured Visa Card?

The US Bank Secured Visa Card charges cardholders 18.99% APR for purchases and balance transfers, and 23.99% on cash advances, regardless of their individual creditworthiness. That is average for a secured credit card with such flexible eligibility requirements. Notice this is a secured credit card, which means your line of credit is determined by how much you deposit as a security with the bank. Lines of credit vary from $300 to $5,000, which allows people with limited savings to qualify and gives people with more disposable income the chance to rebuild their credit faster.

What Are the Fees for US Bank Secured Visa Card?

US Bank Secured Visa Card has a $29 annual fee, which is competitive for a secured card. It also charges 3% (a minimum of $5) on balance transfers and 4% ($10 minimum) on cash advances and 3% on foreign transactions (2% when the transaction is in dollars). Late payments incur a $38 fee and returned payments have a $35 fee.

What Is US Bank Secured Visa Card Rewards Program Like?

US Bank's Secured Visa does not have a rewards program.

What about the US Bank Secured Visa Card Signup Bonus?

The US Bank Secured Visa does not have a signup bonus.

Does the US Bank Secured Visa Card Have Any Other Benefits?

US Bank's Secured Visa is not terribly competitive when it comes to fees and interest rates but it does include auto rental insurance, which is rare among secured cards. It also includes fraud protection, online banking, automatic bill pay and zero fraud liability.

How Is US Bank Secured Visa Card Better Than Other Credit Cards?

US Bank Secured Visa gives people who don't qualify for a regular unsecured credit card the opportunity of rebuilding their credit while they enjoy the worldwide purchasing power of a Visa card. Its annual fee is low compared to most secured cards, it doesn't charge an account processing fee and members earn interest on their security deposit.

US Bank's Secured Visa is available to people of all credit types and has a flexible security deposit policy that allows for deposits of $300 to $5,000. A high credit limit allows members to rebuild their credit faster. On top of that US Bank is fast when it comes to upgrading members from a secured to an unsecured credit card, sometimes within a year.

  • Card Type
    Balance Transfer Rewards Secured
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    18.99% - %
  • Transfer Fee
    3% w/ $5 min
  • Balance Transfer APR
    18.99% var. APR% - %
js-table-filter bizname-us-bank--flexperks-select-rewards-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99% var. APR%
058
js-table-filter bizname-us-bank--fred-meyer-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 9
030
js-table-filter bizname-us-bank--ralphs-rewards-plus-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99% var. APR%
006
js-table-filter bizname-us-bank--harleydavidson-signature-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--rei-visa-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.99%
Balance Transfer APR 10.99% - 22.99% var. APR%
000
js-table-filter bizname-us-bank--gymboree-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
13.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Cashback
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--cache-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.24
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24% - 23.24% var. APR%
000
js-table-filter bizname-us-bank--aeromexico-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter gas-139
js-table-filter groceries-141
22.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 22.99%
Balance Transfer APR 22.99% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
22.99
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 22.99%
Balance Transfer APR 22.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
000
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature-card
js-table-filter airlines-140
49
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
13.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • Travel
Annual Fee $49
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99% var. APR%
006
js-table-filter bizname-us-bank--aeromexico-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
12.99
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • Travel
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--skyblue-skypass-visa-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--aeromexico-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--skypass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-card
js-table-filter air-miles-136
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115

Est. 1929

  • Air Miles
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature
49
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter card-type-12

Est. 1929

  • Points
Annual Fee $49
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% – 23.99% var. APR%
006
js-table-filter bizname-us-bank-visa-platinum
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
9.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.99%
Balance Transfer APR 9.99% – 23.99% var. APR%
006
js-table-filter bizname-korean-air-skypass-visa-signature-card
js-table-filter air-miles-136
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% – 19.99% var. APR%
006
js-table-filter bizname-korean-air-skypass-visa-classic-card
js-table-filter air-miles-136
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% – 19.99% var. APR%
006
js-table-filter bizname-us-bank-secured-visa
29
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
18.99
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

Annual Fee $29
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 18.99%
Balance Transfer APR 18.99% var. APR%
006
js-table-filter bizname-us-bank-cash
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% to 23.99%%
006
js-table-filter bizname-webster-bank-visa-platinum-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
11.99
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1935

  • Air Miles
  • Cashback
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99%-22.99%%
006
js-table-filter bizname-club-carlson-premier-rewards-visa-signature-card
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.25
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Card Type Rewards
Purchases APR 14.25%
Balance Transfer APR 14.25% to 23.24% APR%
006
js-table-filter bizname-us-bank-123-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter groceries-141
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Cashback
  • Groceries
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99%%
014
js-table-filter bizname-us-bank--harleydavidson-visa-secured-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter points-137
22.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 22.99%
Balance Transfer APR 22.99% var. APR%
024
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