The U.S. Bank Cash+® Visa® Secured Card stands out as one of the best options for individuals looking to build or rebuild their credit while earning cash back. With no annual fee and the ability to earn up to 5% cash back on selected categories, this card offers a unique opportunity for those with limited or poor credit histories. Users can choose two categories each quarter to earn 5% cash back on the first $2,000 spent, in addition to earning 2% on one everyday category and 1% on all other purchases. The card requires a minimum security deposit of $300, which serves as the credit limit, and responsible use can lead to eligibility for a non-secured card in the future. The card also features flexible payment options, autopay, and zero fraud liability, making it a practical choice for managing finances. Overall, it’s a solid option for anyone aiming to improve their credit score while enjoying cash back rewards.
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