| Category | Rate | Type | Cap |
|---|---|---|---|
|
Fast Food
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back. Excludes discount stores/supercenters and wholesale clubs.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Home Utilities
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
TV, Internet and Streaming
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Department Stores
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back. Excludes discount stores/supercenters such as Target and Walmart.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Cell Phone Providers
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Electronics Stores
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Sporting Goods Stores
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Furniture Stores
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Movie Theaters
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Ground Transportation
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Gyms and Fitness Centers
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Select Clothing Stores
Cardmember must enroll each quarter; 5% applies to first $2,000 in combined eligible net purchases across both chosen 5% categories per quarter; purchases over $2,000 earn 1% cash back.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Prepaid Travel (Travel Center)
5% cash back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Rewards Travel Center. No quarterly enrollment required and no spending cap on this category.
|
5x | Cash Back | No cap |
|
Grocery Stores and Grocery Delivery
Cardmember must enroll each quarter and select this as their one 2% everyday category. Uncapped earnings. Excludes discount stores/supercenters such as Target and Walmart and wholesale clubs.
Rotating
|
2x | Cash Back | No cap |
|
Restaurants
Cardmember must enroll each quarter and select this as their one 2% everyday category. Uncapped earnings.
Rotating
|
2x | Cash Back | No cap |
|
Gas Stations and EV Charging Stations
Cardmember must enroll each quarter and select this as their one 2% everyday category. Uncapped earnings. Excludes gas purchased at discount stores/supercenters, wholesale clubs, and grocery stores/supermarkets.
Rotating
|
2x | Cash Back | No cap |
|
All Other Purchases
Unlimited 1% cash back on all eligible purchases not covered by a selected 5% or 2% category. Also applies to 5% category purchases exceeding the $2,000 quarterly combined cap. Cash rewards expire 36 months after the billing cycle in which they were earned.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Automatic Graduation Path to Unsecured Card
With responsible account management — including on-time payments and staying within the credit limit — cardholders may be automatically eligible to graduate to the U.S. Bank Cash+® Visa Signature® Card, at which point the security deposit is returned in full.
|
Financial | Security deposit returned upon graduation |
|
Autopay
Cardholders can set up automatic payments to help prevent missed payments and avoid late fees. Multiple autopay options are available to match the cardholder's budget.
|
Financial | Complimentary |
|
Credit Building — Three-Bureau Reporting
U.S. Bank monitors account activity and regularly reports payment history and card status to all three major credit bureaus (Equifax, Experian, and TransUnion), helping cardholders build or rebuild their credit score with responsible use.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardholders can choose their monthly payment due date to align with their pay schedule and financial situation. Some restrictions may apply; cardholders should call the number on the back of their card for available date options.
|
Financial | Complimentary |
|
No Annual Fee
The U.S. Bank Cash+® Secured Visa® Card carries no annual fee, making it a cost-effective credit-building tool.
|
Financial |
$0
Up to $0
|
|
Refundable Security Deposit in FDIC-Insured Savings Account
The required security deposit ($300–$5,000) is held in a U.S. Bank Secured Savings Account that is FDIC-insured and earns interest. The account remains untouched as long as the credit card account is open and in good standing, and the deposit is returned upon account upgrade or closure.
|
Financial | $300–$5,000 refundable deposit |
|
Contactless Payments
The card is equipped with contactless payment technology, allowing cardholders to pay with a single tap wherever the Contactless Symbol is displayed at checkout.
|
Other | Complimentary |
|
Mobile Wallet Support
The card can be added to digital mobile wallets for convenient and secure tap-to-pay purchases, providing an additional layer of payment security.
|
Other | Complimentary |
|
U.S. Bank Mobile App and Online Banking Access
Cardholders have 24/7 access to account management, rewards viewing and redemption, transaction history, and card controls via the U.S. Bank Mobile App and online banking at usbank.com.
|
Other | Complimentary |
|
Worldwide Visa Acceptance
The card is accepted wherever Visa is accepted worldwide. The card looks and functions like any standard credit card, with merchants unable to distinguish it from an unsecured card.
|
Other | Global acceptance |
|
1% Cash Back on All Other Purchases
Earn unlimited 1% cash back on all eligible net purchases not covered by a selected 5% or 2% category, and on 5% category spending exceeding the $2,000 quarterly combined cap. No enrollment required for the base rate.
|
Rewards | 1% cash back, unlimited |
|
2% Cash Back on One Chosen Everyday Category
Earn unlimited 2% cash back each quarter on one everyday category of your choice: grocery stores and grocery delivery, restaurants, or gas stations and EV charging stations. Quarterly enrollment is required; excludes discount stores/supercenters and wholesale clubs for grocery and gas categories.
|
Rewards | 2% cash back, unlimited |
|
5% Cash Back on Prepaid Travel via Rewards Travel Center
Earn 5% cash back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Rewards Travel Center. This earning tier is uncapped and requires no quarterly enrollment.
|
Rewards | 5% cash back, unlimited |
|
5% Cash Back on Two Chosen Categories
Earn 5% cash back each quarter on the first $2,000 in combined eligible net purchases across two categories you choose from a list of 12 options, including fast food, home utilities, streaming, department stores, cell phone providers, electronics stores, sporting goods stores, furniture stores, movie theaters, ground transportation, gyms/fitness centers, and select clothing stores. Quarterly enrollment is required; purchases over $2,000 earn 1% cash back.
|
Rewards | 5% cash back, up to $2,000 combined per quarter |
|
Flexible Cash Back Redemption Options
Cash back rewards can be redeemed as a statement credit, direct deposit to an eligible U.S. Bank checking or savings account, or as a U.S. Bank Rewards prepaid card. Minimum redemption threshold is $25; rewards expire 36 months after the billing cycle in which they were earned.
|
Rewards | Multiple redemption options |
|
Real-Time Rewards Redemption
After enrolling in the Real-Time Rewards program via the U.S. Bank Mobile App, cardholders receive a text message after qualifying purchases offering the option to instantly redeem earned cash back toward that purchase as a statement credit. Sufficient cash back balance must be available to cover the full purchase amount.
|
Rewards | Complimentary |
|
Fraud Monitoring
U.S. Bank employs sophisticated fraud-monitoring tools that detect abnormal spending patterns and act quickly to help protect the card and account information from unauthorized use.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not responsible for unauthorized transactions if the card is ever lost or stolen, provided U.S. Bank is notified promptly. Certain conditions and limitations apply.
|
Security | 100% liability protection |
