U.S. Bank Secured Review | MaxRewards

U.S. Bank Secured

The U.S. Bank Secured is built for people who need to establish or rebuild credit and want a simple card from a major bank. It is not a rewards card or a perks card, it is a straightforward credit-building tool for regular small purchases that you can pay off in full each month.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Credit rebuilding

How to Apply

All information about U.S. Bank Secured has been collected independently by MaxRewards. U.S. Bank Secured is no longer available through MaxRewards.

Is the U.S. Bank Secured worth it?

This card is great for...

Building payment history

Low-cost credit rebuilding

Starter everyday purchases

This card is worth considering if your main goal is improving your credit profile, not earning rewards. With no annual fee, it gives you a way to show on-time payments and responsible card use without paying just to keep the account open, which is the main reason a secured card like this can be useful.

For most readers, the tradeoff is simple: you are giving up rewards and perks in exchange for access and simplicity. Since it earns no cash back and charges a 3% foreign transaction fee, it makes the most sense as a basic card for domestic spending and credit rebuilding. If you already qualify for an unsecured card with rewards, this likely is not the right fit.

MaxRewards Verdict

A sensible choice for rebuilding credit if you want a no-annual-fee secured card from a large issuer. Its value is in helping you build a stronger credit record, not in rewards, travel use, or extra benefits.

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.