U.S. Bank Cash+ Secured

U.S. Bank · Credit card · Building credit

3.5 Debt Sunset rating vs. other building credit cards

A secured card with 5% cash back in two categories you choose.

Rates, fees and offers

Regular APR: Variable APR; see U.S. Bank's rates and terms.
Annual fee: $0
Promo offers: None currently advertised
Balance transfer fee: See issuer terms
Rewards: 5% cash back on your first $2,000 each quarter in two categories you choose; 2% on one everyday category; 1% everything else. Deposit $300 to $5,000.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Pay on time and keep the balance low. Many secured cards review you for an upgrade and a deposit refund after several months.

Paying and contacting U.S. Bank

Customer service: 1-800-285-8585 · 24 hours (24-Hour Cardmember Service)
Pay by mail: Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Overnight:
3180 Rider Trail S
Attn: 790408
Earth City, MO 63045

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: Cardmember Service
P.O. Box 6335
Fargo, ND 58125-6335

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