U.S. Bank Cash+® Secured Visa®
- Annual Fee
- $0
- Top Rate
- 5%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair
Earning Rates
- 5%
Telecom
5% on cell phone providers (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Streaming
5% on TV, internet and streaming services (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Cable Tv
5% on TV, internet and streaming services (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Movie Theaters
5% on movie theaters (user's choice, 2 categories per quarter). Keyed movie_theaters, not entertainment, so it does not answer concert or sporting-event ticket searches (TASK-0324; same category list as Cash+)
Cap: $2,000/quarterly
- 5%
Transit
5% on ground transportation (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Fitness
5% on gym and fitness centers (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Department Stores
5% on department stores (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Electronics
5% on electronics stores (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Sporting Goods
5% on sporting goods stores (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Fast Food
5% on fast food (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Utilities
5% on home utilities (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Travel
5% on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center (1% base plus an additional 4%); not user-choice, no quarterly cap
- 2%
Dining
2% on one everyday category (user's choice: restaurants, gas and EV charging stations, or grocery stores)
- 2%
Gas Stations
2% on one everyday category (user's choice: restaurants, gas and EV charging stations, or grocery stores)
- 2%
Electric Vehicle Charging
2% on one everyday category (user's choice: restaurants, gas and EV charging stations, or grocery stores) (EV charging row: same tier as gas, per the issuer's wording)
- 2%
Grocery Stores
2% on one everyday category (user's choice: restaurants, gas and EV charging stations, or grocery stores)
- 1%
All Other
1% on all other purchases
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Dining Out
2% cash back at restaurants
if dining is your chosen category
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Details & Terms
Payment Terms
| Purchase APR | 28.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Earn rates | |
| U.S. Bank Official | U.S. Bank Official | |
| U.S. Bank Official | U.S. Bank Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
