The U.S. Bank Cash+® Visa® Secured Card can help you improve your credit score on your journey to a better financial future. You can be in charge of your own credit line by choosing an amount between $300,00 and $5,000 as your security deposit. The card charges no annual fee and applicants with a bad credit history are welcome to apply. 

This card offers cash back rewards in eligible purchases with a spending cap of $2,000 in combined categories. You can redeem your cash back in the form of statement credits, rewards card or direct deposit into your U.S. Bank savings/checking account. 

U.S. Bank monitors your spending activities and reports all monthly payments to Equifax, Experian and TransUnion. Therefore, by using the U.S. Bank Cash+® Visa® Secured Card responsibly and paying your bill on time, you’ll see a gradual improvement on your score. Not only that, but remaining in good standing with the bank means you’ll be eligible for an automatic upgrade to an unsecured U.S. Bank Cash+^® Visa Signature^® Card. If that happens, the bank will also refund your initial security deposit.

Keep reading to learn more about the application process.

The online application for this card is simple and doesn’t take more than a few minutes. First you need to access the U.S. Bank official website and click on “credit cards”. Then, scroll down the page until you see the U.S. Bank Cash+® Visa® Secured Card option and click on apply now.

The bank will require you to fill in a form detailing your personal info, as well as your contact and financial information. After filling all information, read and agree to their Terms and Conditions and click on “send”. The institution will analyze your profile and contact you with further information about your new credit card. 

U.S. Bank provides all customers with one of the best mobile apps to manage their accounts. However, all credit card applications must be via their official website. Once you get the card in the mail, you’ll be able to use the app to manage your account and spending activity. 

But if what you’re looking for is not a secured card, we can help. The Upgrade Triple Cash Rewards is an unsecured option that also offers cash back rewards. With low-interest rates and no annual fee, it can be a helpful companion to your everyday life. See the comparison below and follow the recommended link to learn all about its application process.