U.S. Bank
U.S. Bank Secured Visa 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 Secured Visa 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
- The card is designed to help build or re-establish credit history by reporting account activity to the three major credit bureaus
Sign-up bonus
None
Best for
- 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.
U.S. Bank Secured Visa Card: questions people ask
Is the U.S. Bank Secured Visa Card worth it?
With no annual fee, the U.S. Bank Secured Visa 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 Secured Visa Card annual fee?
The U.S. Bank Secured Visa Card has no annual fee ($0).
What does the U.S. Bank Secured Visa Card earn?
The card is designed to help build or re-establish credit history by reporting account activity to the three major credit bureaus.
What credit score do you need for the U.S. Bank Secured Visa 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 Secured Visa Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Similar cards
- U.S. BankU.S. Bank Altitude Go Secured Visa Card$545/yr · $0 fee
- Bank of AmericaCustomized Cash Rewards Secured Credit Card$372/yr · $0 fee
- Bank of AmericaBank of America Secured Travel Rewards Credit Card$468/yr · $0 fee
- Bank of AmericaBank of America Unlimited Cash Rewards Secured Credit Card$468/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.