U.S. Bank Cash+ Secured Visa
By Alex Compton · Last verified
Full 5% Cash+ earning while you rebuild your credit.
Welcome Bonus
None
No welcome offer; 5% categories, 2% everyday category and $300 to $5,000 deposit confirmed
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
Building
credit (limited or damaged history)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 5% categories, 2% everyday category and $300 to $5,000 deposit confirmed | U.S. Bank Cash+ Secured Visa product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
No annual fee, $300-$5,000 deposit, 5%/5%/2%/1% earning confirmed
U.S. Bank Cash+ Secured Visa product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 5xTwo categories you choose each quarter$2,000 combined cap per quarter, activation required
- 5xPrepaid air, hotel and car rentals via the US Bank rewards center
- 2xOne everyday category: gas, grocery or restaurants
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Identical earning structure to the unsecured Cash+
- ✦Refundable deposit from $300 to $5,000 sets your credit line
- ✦Reports to all three bureaus and can graduate to the unsecured card with your deposit returned
Why it earns its spot
- +The strongest rewards of any secured card on the market
- +No annual fee
- +Clear graduation path to the unsecured Cash+
Where it costs you
- −Quarterly activation chore or you earn 1%
- −High APR, so carry no balance
- −Deposit ties up cash until graduation
The Compound Verdict
Most secured cards pay nothing while you rebuild. This one hands you the same choose your own 5% categories as the regular Cash+, including utilities and cell phone. If you need a secured card and can pay in full monthly, this is the one to get.
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