U.S. Bank Cash+ Secured Visa
By Alex Compton · Last verified
Full 5% Cash+ earning while you rebuild your credit.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 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
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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