Choose your payment due date.
Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.4
Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.
Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card.
We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit.
View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.3
Everyone's schedule is different. So it's handy to be able to pick when your payment is due.4
Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.
Check out our wide range of cards that could fit your needs.
U.S. Bank credit score requirements vary by product. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.
The U.S. Bank Secured Visa Card is a secure, convenient payment solution for building or re-establishing credit. Purchases made with the Secured Visa Card are billed each month like any credit card and payments are reported to all credit bureaus to build credit history.
Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.
The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.