U.S. Bank · Visa
U.S. Bank Secured Visa Card
No annual fee · 0% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 0% | uncapped |
Non-cash perks
- Free credit score access anytime via TransUnion CreditView Dashboard (U.S. Bank online/mobile banking customers)
- Choose your own payment due date
- Zero fraud liability for unauthorized transactions
- Refundable security deposit of $300-$5,000 sets the credit limit, held in an FDIC-insured, interest-bearing secured savings account, returned upon upgrade or account closure in good standing
- Activity reported monthly to all three major credit bureaus to help build/rebuild credit
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from U.S. Bank
- U.S. Bank Altitude Connect Visa Signature Card
- U.S. Bank Altitude Go Visa Signature Card
- U.S. Bank Altitude Reserve Visa Infinite Card $400/yr
- U.S. Bank Business Altitude Connect Visa Signature Card $95/yr
- U.S. Bank Business Altitude Power Visa Signature Card $195/yr
- U.S. Bank Business Leverage Visa Signature Card $95/yr
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.usbank.com. Spot an error? Tell us.