$750
After you spend $6,000 on purchases on your new card in your first 6 months of card membership.
- 3%AT&T
- 3%Dining
- 3%EV Charging
Annual Fee
$0
Rec. Credit
Good
US Bank
U.S. Bank Cash+ Secured
The U.S. Bank Cash+ Secured is built for someone rebuilding credit who still wants real control over their rewards. It works best as a spending-focused card for familiar monthly categories, not as a travel or perks card, and it stands out because secured cards rarely offer this much category customization.
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Credit rebuilding with rewards
All information about U.S. Bank Cash+ Secured has been collected independently by MaxRewards. U.S. Bank Cash+ Secured is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the U.S. Bank Cash+ Secured worth it?
This card is great for...
Bills and routine category spending
Custom bonus categories
Building credit without an annual fee
Yes, if you need a secured card and want more than the usual 1% back on everything. The main appeal is being able to choose bonus categories, which gives this card more upside than many cards aimed at people with rebuilding credit. If your spending lines up with the categories you pick and you use the card for regular expenses, it can deliver unusually strong value for a secured product.
It is a weaker fit if you want simplicity or if your spending changes a lot month to month. You also should not carry a balance here, since the APR is high and any rewards are quickly erased by interest. For the right user, this is a practical credit-building card with better-than-average earning potential. For everyone else, it is mostly a stepping stone.
MaxRewards Verdict
This is a strong secured card for rebuilding credit while earning elevated cash back in categories you can actually plan around. Its biggest limitation is that the value depends on managing your chosen categories and paying in full.
Earning
Rewards
This card’s rewards are more flexible than most secured cards. The key is the set of categories you choose, since that is where the highest cash back comes from, while all other spending falls back to a standard 1%.
CategoryRate
Air Travel (US Bank)
5%
Car Rental (US Bank)
5%
Choice
Up to $2,000 spend per year
5%
Choice
Up to $2,000 spend per year
5%
Hotel (US Bank)
5%
Choice
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
28.49%
Variable
Transfer APR
28.49%
Variable
Cash Advance APR
30.49%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from US Bank
See all 50 cards
60,000 Miles
Worth $600
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Korean Air
- 2%Airline
- 2%Car Rental
Annual Fee
$450
Rec. Credit
Excellent
60,000 Points
Worth $600
After you spend $6,000 on purchases on your new card in your first 4 months of card membership.
- 1%Everywhere
Annual Fee
$95
Rec. Credit
Good