Secured Visa

Secured Visa

on US Bank's secure website

on US Bank's secure website

Secured Visa

Secured Visa

on US Bank's secure website

on US Bank's secure website

Card details

  • Zero Fraud Liability - You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is ever lost or stolen.
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud.
  • Auto Rental Insurance - It s yours automatically - at no extra cost - when you charge your entire car rental on your U.S. Bank Secured Visa Card and decline the rental company s collision damage waiver option. Coverage on a 24-hour basis for damage due to collision or theft.
  • View Rates and Fees

APR, Variable

Purchase: 19.49%, Variable

Cash Advance APR: 28.49%, Variable


  • Qualify with limited / bad credit


  • Has annual fee
  • No rewards
  • High APR

Rewards rate


Annual fee

$0 the first year, then $29

Intro APR


Recommended credit score

recommended credit score

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NerdWallet Review

Author: Kevin Cash

If you have bad credit or no credit at all, signing up for a secured credit card is a smart way to build your credit score. The Secured Visa is a solid choice. Like other secured cards, this card requires an initial deposit upon approval, with a recommended minimum of $300. The deposited amount acts as collateral against spending and ultimately represents your credit limit.

A unusual feature with this card is a slightly longer grace period for payments. Most cards include a range of 20 to 25 days for bill payment, but the Secured Visa stretches that to 24 to 30 days. This means more time to pay your bill, helping you to potentially avoid a late payment.

With the Secured Visa, the annual fee is waived the first year and $29 every year thereafter. The ongoing APR is 19.49% Variable — on the lower end compared with other secured cards. Still, we recommend paying your bill in full every month, especially if your goal is to build your credit score.

For more about this card, see our full review.

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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