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U.S. Bank SKYPASS Visa® Secured Card review

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Rebuild your credit and get a range of travel benefits with this card.

  • Get this card if you’re a frequent traveler looking to rebuild your credit score.
  • Pick something else if you don’t travel enough to take advantage of this card’s perks.
  • Apply if you have a poor to fair credit score between 300 and 669.


Miles as welcome offer


Annual fee


Purchase APR (variable)


Recommended credit score


Product NameSKYPASS Visa® Secured Card
Card typeVisa
Annual fee$50
Purchase APR17.74% variable
Balance transfer APR17.74% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate20.99% variable
Cash advance fee$5 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 24 days
Late payment feeUp to $39
Returned payment feeUp to $35
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

The SKYPASS Visa® Secured Card is among the relatively few secured cards that offer a rewards program and several travel perks such as travel accident insurance.

While the card is designed to help those with poor credit, U.S. Bank still needs to run a credit check when you apply. Prepare to spend at least $500 on your deposit, though the exact amount will depend on your credit score.

Another secured credit card

Citi® Secured Mastercard®

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.
Read less
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The perks

  • Access to SKYPASS rewards.

    You’ll earn 1 SKYPASS mile for every dollar spent on eligible purchases. SKYPASS miles are redeemable for flights, hotel bookings, merchandise and more.

  • Signup bonus.

    Earn 5,000 SKYPASS bonus miles after you make your first purchase.

  • Renewal bonus.

    Earn 1,000 SKYPASS bonus miles when you renew your card. You’ll receive these points after paying your annual fee.

  • Travel perks.

    U.S. Bank offers up to $250,000 in travel accident insurance for cardholders — a rare perk for secured credit cards.

Compare secured credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score.
OpenSky® Secured Visa® Credit Card
Starting at $200
18.89% variable
A secured Visa® credit card that helps you build your credit quickly.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
CardMatch™ from
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See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
Build your credit with all three major credit bureaus.

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You’ll also like …

  • Graduate to an unsecured card.

    If you keep your account in good standing for 12 months, make your payments on time, and generally show U.S. Bank that you’re responsible, you can become eligible for an unsecured card. Graduating to an unsecured card can help boost your credit profile and free up your security deposit on your old card.

  • Auto rental collision damage waiver.

    This card provides car rental damage insurance under Visa’s travel insurance policy. Visa reimburses up to a certain threshold if your rental is stolen or damaged for eligible reasons.

  • No cap on miles.

    You don’t have to worry about any limits to earning SKYPASS bonus miles on your purchases.

  • Bilingual support.

    This card features customer service in English and Korean.

Watch out for

  • Annual fee.

    You’ll pay a $50 annual fee. This fee is higher than a few other comparable cards, and some secured cards don’t have an annual fee at all.

  • Foreign transaction fees.

    Though the card offers generous travel perks, the SKYPASS Visa® Secured Card doesn’t waive foreign transaction fees for purchases made abroad. You’ll pay 2% of each transaction made in US dollars and 3% of each transaction made using another currency.

  • Security deposit.

    The SKYPASS Visa® Secured Card‘s minimum deposit for opening an account is at least $500. This is a bit higher than other secured cards, with some only requiring $300.

What should I know before I apply?

To complete your application, have the following:

  • Personal information. This includes your first and last name, date of birth, Social Security number, phone number and address.
  • Income and employment information. Including your employment status, annual income, the source of that income, and your expected monthly cash transactions.
  • Funding information. You’ll need to open a savings account with U.S. Bank to apply for your card. To do so, you’ll need to provide the source of your funding along with how much you’d like to deposit into your account.

What credit score do I need?

Like most secured cards, you can be approved for the SKYPASS Visa® Secured Card even with a poor credit score of 300. Your credit score helps U.S. Bank determine your credit limit, however, so you stand a better chance of gaining a higher credit limit the better your credit score.

An exception to this rule is if you’ve filed for bankruptcy or have other serious delinquencies on your credit history. Generally, U.S. Bank denies applications with a bankruptcy on their history.

What do customers say about U.S. Bank?

While U.S. Bank has been BBB accredited since 1970, a wave of recent poor reviews has dropped its rating from an A+ to a B+. In fact, the average review for U.S. Bank on the BBB website is 1 out of 5 stars. Most of these reviews point to poor communication and customer service as the primary reason for the negative rating.

Trustpilot reviews sing a similar song, with U.S. Bank sporting two stars out of five for a “Poor” rating. Complaints here are similar, with many customers upset with unclear or unfriendly customer service and policies.

If you choose this card, monitor your bank account carefully to stay on top of any unexplained fees or other abnormalities, and keep records and details of any calls you make to customer service.

How to apply for the SKYPASS Visa® Secured Card

If you have a checking or savings account, apply for the SKYPASS Visa® Secured Card and fund your deposit easily online.

  1. Visit U.S. Bank’s SKYPASS Visa® Secured Card site page and click Apply Now.U.S. Bank SKYPASS Visa® Secured Card screen1
  2. Click Get Started to apply online. (Or start the process of printing and mailing your application with a cashier’s check or money order.)
  3. U.S. Bank SKYPASS Visa® Secured Card screen2

  4. Complete the sections for your personal, housing, income and employment information. Indicate whether you’d like additional cards, and then supply your banking details for the deposit. Read and accept the terms and conditions, and then click Submit.
  5. Continue through the application, confirming the information you’ve entered, before fully submitting your application.

If you choose to mail your application, you’ll complete your printed form and submit it with a money order or cashier’s check for your deposit to:

U.S. Bank National Association
Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408

You’ll hear back about the status of your application in seven to 10 business days.

How likely is my approval?

The card doesn’t require a minimum credit score, so approval is likely for most applicants. The exception is those with a bankruptcy on their credit report — U.S. Bank automatically denies applicants whose reports reveal a bankruptcy.

How long will it take to be approved?

Approval wait times for this card are unclear, but going off other secured cards, expect to wait anywhere between a few hours to a few weeks. For mailed applications, you’ll receive an update on your status in a week or two after receipt. Look into other credit-repair cards for one that might meet your needs.

I got the card. Now what?

  • Build your miles. This includes taking advantage of your signup bonus. Access to the SKYPASS rewards program is one of the big draws of this secured card. If you don’t plan on taking advantage of it, you’re better off choosing another secured card.
  • Set up autopay. Log in to your SKYPASS Visa® Secured Card account to set up and manage your autopayment settings.
  • Redeem your points. SKYPASS members have access to a plethora of redemption options, including deals on flights, hotel bookings and more.
  • Graduate your card. If you’re eligible after using your card for 12 months, take the next step and apply for an unsecured card.

Bottom line

The SKYPASS Visa® Secured Card offers a bevy of reward and benefit opportunities, making this a strong pick for frequent travelers who are rebuilding their credit score.

However, you’ll need to weigh whether the annual fee and SKYPASS loyalty are worth it. Compare other secured credit cards or travel cards for bad credit to find an option that best fits your needs.

Frequently asked questions

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  1. Default Gravatar
    January 16, 2018

    Does this card have any travel insurance benefits or other types of benefits travel benefits?

    • Avatarfinder Customer Care
      January 16, 2018

      Hi Davison,

      Please note that we are not affiliated with US Bank or any company we feature on our site and so we can only offer you general advice.

      With U.S. Bank SKYPASS Visa® Secured Card, the card makes it easy to earn travel miles while building or rebuilding your credit, and it comes equipped with plenty of other travel benefits, including emergency assistance and $250,000 in travel accident insurance. It’s also accepted worldwide. You’ll earn reward miles on everyday purchases. You’ll also earn 5,000 bonus miles after first purchase and your 1,000 bonus miles at renewal.

      Hope this infomation helped.

      Best regards,

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