$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
Terms apply.
See rates & fees.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.

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

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.
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.
Annual Fee
$0
Purchase APR
27.49%
Variable
Transfer APR
27.49%
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.
$750
After you spend $6,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$0
Rec. Credit
Good
Terms apply.
See rates & fees.60,000 Miles
Worth $600
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
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.
Annual Fee
$95
Rec. Credit
Good
Terms apply.
See rates & fees.