Our illustration, not the card’s design
US Bank credit card
US Bank Cash+ Secured Visa Cash Back Credit Card
No annual fee.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · onboarding.usbank.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · onboarding.usbank.com
“3% of each foreign transaction”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $120 | $120 | |
| Typical spender | $300 | $300 | |
| Heavy spender | $660 | $660 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x Gas stations and EV charging stations (excludes discount stores/supercenters, wholesale clubs and grocery stores/supermarkets); not counted: 2x Grocery stores and grocery delivery (excludes discount stores/supercenters and wholesale clubs); not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods; not counted: 5x Prepaid air reservations booked directly in the Travel Center when using this card; not counted: 5x Prepaid hotel reservations booked directly in the Travel Center when using this card.
$120a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x Gas stations and EV charging stations (excludes discount stores/supercenters, wholesale clubs and grocery stores/supermarkets); not counted: 2x Grocery stores and grocery delivery (excludes discount stores/supercenters and wholesale clubs); not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.
$300a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x Gas stations and EV charging stations (excludes discount stores/supercenters, wholesale clubs and grocery stores/supermarkets); not counted: 2x Grocery stores and grocery delivery (excludes discount stores/supercenters and wholesale clubs); not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.
$660a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Gas stations and EV charging stations (excludes discount stores/supercenters, wholesale clubs and grocery stores/supermarkets); not counted: 2x Grocery stores and grocery delivery (excludes discount stores/supercenters and wholesale clubs); not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Prepaid air reservations booked directly in the Travel Center when using this card; not counted: 5x Prepaid hotel reservations booked directly in the Travel Center when using this card; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- No annual fee, like about 90% of the 50 cards on our Secured list (see the list).
- Worth more to a typical spender than about 85% of the 50 cards on our Secured list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$310 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$300 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$300 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5%
- Fast foodHome utilitiesTV, internet and streamingDepartment storesCell phoneElectronic storesSporting goodsFurniture storesMovie theatersGround transportationGyms/fitness centersSelect clothing storesPrepaid air reservations booked directly in the Travel Center when using this cardPrepaid hotel reservations booked directly in the Travel Center when using this cardPrepaid car reservations booked directly in the Travel Center when using this card
- 2%
- Grocery stores and grocery delivery (excludes discount stores/supercenters and wholesale clubs)RestaurantsGas stations and EV charging stations (excludes discount stores/supercenters, wholesale clubs and grocery stores/supermarkets)
- 1%
- Everything else
Cash back, as a share of each purchase.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · usbank.com “5% cash back” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com “3% of each foreign transaction” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · usbank.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · onboarding.usbank.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each foreign transaction. · onboarding.usbank.com, since Sep 29, 2026