U.S. Bank
Cash+ Secured Visa Cash Back Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the U.S. Bank Cash+ Secured Visa Cash Back Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Rewards paid as
- Cash back
- Approval
- Built for no / limited credit
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 5% cash back in eligible categories they choose
Sign-up bonus
None
Best for
- Students building credit
- Keeping costs at $0
Not ideal for
- Maximizers chasing category bonuses
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Cash+ Secured Visa Cash Back Credit Card: questions people ask
Is the U.S. Bank Cash+ Secured Visa Cash Back Credit Card worth it?
With no annual fee, the U.S. Bank Cash+ Secured Visa Cash Back Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
What is the U.S. Bank Cash+ Secured Visa Cash Back Credit Card annual fee?
The U.S. Bank Cash+ Secured Visa Cash Back Credit Card has no annual fee ($0).
What does the U.S. Bank Cash+ Secured Visa Cash Back Credit Card earn?
5% cash back in eligible categories they choose.
What credit score do you need for the U.S. Bank Cash+ Secured Visa Cash Back Credit Card?
The issuer doesn't say; we'd class it as: built for no / limited credit. Checking your matches on CardFit never runs a credit check.
Does the U.S. Bank Cash+ Secured Visa Cash Back Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Compare Cash+ Secured Visa Cash Back Credit Card
Similar cards
- Capital OneSavor Student Credit Card$528/yr · $0 fee
- Bank of AmericaBank of America Travel Rewards Credit Card for Students$468/yr · $0 fee
- Bank of AmericaBank of America Unlimited Cash Rewards Credit Card for Students$468/yr · $0 fee
- Bank of AmericaBank of America Customized Cash Rewards Credit Card for Students$372/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: U.S. Bank product page. Terms change often; confirm them with the issuer before you apply.