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The U.S. Bank Secured VisaŽ Credit Card -
Safely build or re-establish your credit starting now1. |
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A U.S. Bank Secured Credit Card is a great way to help build or re-establish your credit history while enjoying worldwide purchasing power and flexibility. Plus, you can make your purchases with comfort, knowing you are protected against unauthorized transactions.
Note: This product is only offered to the following: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NV, OH, OR, SD, TN, UT, WA, WI, WY. |
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Yes! If:
- You haven't had the chance to establish credit yet.
- You've had credit difficulties in the past, and you wish to re-establish a solid credit rating.
It's Easy, Safe, and Practical:
- It's easy. All you need to do is send us a cashier's check, a certified check, or a money order with your credit card application (from $300 to $5,000) to open a savings account. Then, once you're approved, we'll send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card when you use it at a restaurant or store.
- Your deposit is used to open a savings account which assures your credit card can be paid. The money in your savings account is there to "secure" your credit line. The money in your savings account is FDIC insured and won't be touched as long as you make all of your credit card payments on time and your account remains open. Plus, you will earn interest on the money in your savings account.
- Your purchases are billed to you each month. Payments are not automatically deducted from your savings account. You are responsible for making at least your minimum payment by the due date each month.
- Once you've demonstrated good credit habits, you'll be well on your way to getting a good credit rating. When you have managed all of your credit obligations responsibly for 12 months, we may be able to move you to another great credit card product without requiring you to secure your credit line.
- A good credit rating gives you the freedom to make choices. You'll find that you need good credit to do almost everything from buying a car or a home to ordering merchandise through the mail. So whether you're just starting out, or making a fresh start, the U.S. Bank Secured VisaŽ Credit Card offers you a chance to begin on the right foot.
Outstanding Benefits
Car Rental Discounts
Discounts on car rentals with Avis, Alamo, Hertz, and National.
Worldwide Acceptance/Cash Access
Use your U.S. Bank Secured VisaŽ Credit Card at millions of locations and 805,000 ATMs worldwide.
24 Hour Toll-Free Cardmember Services
Prompt, friendly service available every hour, every day at 1-800-285-8585.
Visa Zero Liability.2 policy protects you from fraudulent use of your card or account information if it's lost or stolen. You'll never be responsible for unauthorized purchases, including those made online.
Fraud Protection. You are not responsible for unauthorized charges if your U.S. Bank Secured VisaŽ Credit Card is lost or stolen. Replacement cards sent within 48 hours.
Pay your bills online — Take advantage of this easy, fast and convenient way to pay bills online with your U.S. Bank Credit Card.
Free Online Account Access
It's the easiest way to bank online. Here you can enroll in Online Statements Only and set up Account Alerts. View and manage your credit card purchases and advances using U.S. Bank Internet Banking. With this free service you can view your 18 most current statements, download account history into personal financial management software, check your current balance and available credit, verify your next payment date, make a payment from your U.S. Bank checking or savings account, or obtain a cash advance.
Free Extra Cards
You can share benefits of card use with members of your family.
Apply Today for a Secured Visa Card
- Complete an application.
- Print and sign the U.S. Bank Secured VisaŽ Credit Card application.
- Prepare a check for $300 to $5,000 made payable to U.S. Bank National Association. The check MUST BE a certified check, money order, or cashier's check.
- Mail your application along with your check to :
U.S. Bank National Association ND
P.O. Box 6363
Fargo, ND 58125-6363
We may change APRs, fees and other account terms in the future as provided under the Cardmember Agreement and applicable law.
View Pricing Information.
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Late payments and going over the credit limit may damage your credit history.
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Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or view Visa's Zero Liability Policy.
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