Application Process: Apply online or at a participating U.S. Bank branch. Just make sure you have at least $300 to spare since you’ll need it for your deposit.

Rewards: None.

Bonus Offers: None.

Annual Fee: $29.

APR: 20.74%

• If your application is approved, the issuer will send you a credit card with a credit line the same amount as your deposit.
• The deposit is used to open a U.S. Bank secured savings account to ensure your card can be paid. The account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
• Payments are not automatically deducted from your secured savings account. You're responsible for making at least your minimum payment by the monthly due date.
• Auto rental insurance at no extra cost - when you charge your entire car rental on your Card and decline the rental company's collision damage waiver option.
• Automatic Bill Pay - Take advantage of this easy way to pay bills online.
• FlexControl™ - Free online tool that can help you avoid interest and late fees with automatic payments that put you in control. It can also help you pay down a balance faster.