U.S. Bank Secured

The U.S. Bank Secured is built for people rebuilding credit who want a simple card from a major bank, not for earning rewards or travel perks. It works best as a credit-building tool for small, regular purchases that you can pay off in full each month.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Credit rebuilding

How to Apply

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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 Secured worth it?

This card is great for...

Building payment history

Low-cost starter use

Everyday small purchases

This card is worth considering if your main goal is rebuilding credit and you want to do it with a $0 annual fee. Since it does not offer rewards, a welcome bonus, or ongoing benefits, the value here comes almost entirely from using it responsibly and improving your credit profile over time.

It is not a card to keep for long-term spending value. If you already qualify for an unsecured card with rewards, that will usually be a better fit. The high APR also makes it especially important to avoid carrying a balance, because interest charges will quickly outweigh any practical benefit of having the card.

MaxRewards Verdict

A straightforward secured card for rebuilding credit at no annual cost. Its role is simple: help you establish or repair credit, then move on once you qualify for a more rewarding card.

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