Does U.S. Bank Offer an Unsecured Credit Card for Bad Credit?
No, U.S. Bank does not currently offer an unsecured credit card specifically designed for people with bad credit. U.S. Bank does offer several credit cards for people who are building or rebuilding their credit, but those cards are secured credit cards that require a refundable security deposit. U.S. Bank currently offers three secured cards, including options that earn cash back or rewards.
Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you click on a link, when an application is approved, or when an account is opened, we may earn a commission. We are independently owned, and the opinions expressed here are our own.
Does U.S. Bank Have an Unsecured Credit Card for Bad Credit?
U.S. Bank does not currently have an unsecured credit card specifically marketed to people with bad credit. Its credit-building options are secured cards, meaning you must provide a refundable security deposit when you open the account. The amount of your deposit establishes your initial credit limit.
U.S. Bank currently offers three secured credit cards: the U.S. Bank Secured Visa® Card, the U.S. Bank Cash+® Secured Visa® Card, and the U.S. Bank Altitude® Go Secured Visa® Card. All three have a $0 annual fee and require a refundable security deposit of $300 to $5,000.
If you want to see which U.S. Bank credit cards are available for bad credit, including the differences between its three secured cards and their rewards, see our U.S. Bank Credit Cards for Bad Credit page.
What If You Don't Want a Security Deposit?
If you have bad credit and specifically want an unsecured credit card with no security deposit, U.S. Bank's secured cards will not meet that requirement. There are other unsecured credit cards specifically designed for people with less-than-perfect credit that do not require a security deposit.
You can see five options on our Bad Credit Credit Cards With No Deposit page.
What Are the Best Pre-Approved Credit Cards for Bad Credit?
If you are specifically looking for a pre-approved credit card for bad credit and want to check for an offer before submitting a full application, see our Best Pre-Approved Credit Cards for Bad Credit page.
That page focuses on two credit cards that offer pre-approval options and are available to people with less-than-perfect credit.
Found this guide helpful? Save this for later as you continue your financial journey!
Compare a variety of credit card offers.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.