Credit card

U.S. Bank Cash+® Secured Visa® Card

Cash back

VISA

Apply for U.S. Bank Cash+® Secured Visa® Card

On U.S. Bank's secure site

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Credit card U.S. Bank Visa

Card review

U.S. Bank Cash+® Secured Visa® Card

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Earn 5% cash back while building your credit

Fee: No fee
Purchase APR: from 29.24%
Interest-free: -
Foreign fee: 3%

Rewards

5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 2% on one chosen everyday category; 1% on all other purchases. Same reward structure as the unsecured Cash+ card.

Our verdict

What stands out, and where it falls short.

What we like

5% cash back on two chosen categories each quarter…
No card fee

Worth weighing

3% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the U.S. Bank Cash+® Secured Visa® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: from 29.24%
Interest-free period: -
Foreign transaction fee: 3%
Regular APR: 29.24% variable
Foreign Transaction Fee: 3%

Rewards and features

Rewards: 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 2% on one chosen everyday category; 1% on all other purchases. Same reward structure as the unsecured Cash+ card.
Pay with: Apple Pay, Google Pay, Contactless
5% category enrollment: Must enroll chosen categories each quarter; missing enrollment results in 1% base rate on all purchases
Unique feature: One of very few secured cards offering 5% category cash back

Benefits and perks

Extras that come bundled with the card.

Credit bureau reporting

Reports to all three major credit bureaus to help build credit history
Upgrade path

Eligible to graduate to unsecured U.S. Bank Cash+ Visa Signature Card after 7–18 months of responsible use

Eligibility

What you need before you apply.

Security deposit: $300–$5,000 refundable deposit required; deposit equals credit limit

U.S. Bank Cash+® Secured Visa® Card: your questions answered

Does the U.S. Bank Cash+® Secured Visa® Card have a card fee?

No - the U.S. Bank Cash+® Secured Visa® Card has no card fee.

What rewards does the U.S. Bank Cash+® Secured Visa® Card earn?

The U.S. Bank Cash+® Secured Visa® Card earns 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 2% on one chosen everyday category; 1% on all other purchases. Same reward structure as the unsecured Cash+ card..

Does the U.S. Bank Cash+® Secured Visa® Card charge foreign transaction fees?

Yes - the U.S. Bank Cash+® Secured Visa® Card charges a 3% foreign transaction fee.

What is the interest rate on the U.S. Bank Cash+® Secured Visa® Card?

The U.S. Bank Cash+® Secured Visa® Card has a purchase APR of from 29.24%.

Is the U.S. Bank Cash+® Secured Visa® Card a credit, debit or prepaid card?

The U.S. Bank Cash+® Secured Visa® Card is a credit card issued by U.S. Bank on the Visa network.

Does the U.S. Bank Cash+® Secured Visa® Card support Apple Pay and Google Pay?

Yes - the U.S. Bank Cash+® Secured Visa® Card works with both Apple Pay and Google Pay.

Where can I get the U.S. Bank Cash+® Secured Visa® Card?

The U.S. Bank Cash+® Secured Visa® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank Cash+® Secured Visa® Card?

DebitCue rates the U.S. Bank Cash+® Secured Visa® Card 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the U.S. Bank Cash+® Secured Visa® Card?

Use the Apply now button to continue on U.S. Bank's secure site. Comparing and applying through DebitCue is free.