U.S. Bank Secured Visa® Credit Card Fees and rates
Annual Fee
Annual Percentage Rate (APR)
Transaction Fees
Penalty fee
Fee Benefits

No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
For Example:
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.

Overdraft Protection
Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.
Insurance Benefits

Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Security Benefits

Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.

Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.

Fraud Protection
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.

Zero Liability
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Service Benefits

Global Assist Hotline
Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.
Travel Benefits

Roadside Assistance
Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.
Credit Score Needed For U.S. Bank Secured Visa® Credit Card
Your best chance of being approved for this credit card involves having a credit score 561 - 650. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.