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LifeMiles Visa Secured Card

Establish your credit in the U.S.1 and get closer to the ones you love.

LifeMiles Visa Secured Card - Apply now!Now you can earn LifeMiles that unite you with the ones you love and build your credit too! 

Your rewards add up with every purchase:

  • Earn 1 LifeMile for every net $1 you spend
  • 10,000 bonus LifeMiles with your first card use2 
  • 15% Excess Baggage Redemption Discount on TACA Airlines3 
  • $500,000 Travel Accident Insurance4 
  • $0 Introductory Annual Fee for the First Year,† thereafter $25† 
Count on the protection and convenience of Visa:
  • You are protected with zero fraud liability5 
  • Emergency Card and Cash Replacement – Get a replacement card or emergency cash, usually within 24 hours, if you report your Card as lost or stolen4 
  • Easy Cash Access – Your Personal Identification Number (PIN) offers you easy cash access to your account at more than one million ATMs worldwide
Is a Secured Credit Card for me? Yes, if:
  • You haven't had the chance to establish credit yet in the U.S.
  • You've had credit difficulties in the past, and you wish to re-establish a solid credit rating.

Are you still not sure if the LifeMiles Visa Secured Card is right for you? Learn more.

How it works:

  • To fund your Secured Card, you can choose to:
    • Fund online using your Checking or Savings Account
    • Print an application and mail a Cashier’s Check or Money Order
  • If your application is approved, we’ll send you a credit card with a credit line the same as your deposit.
  • The deposit is used to open a U.S. Bank Savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
  • Purchases with the card are billed to you each month as with any credit card. You’re responsible for making at least your minimum payment by the due date; payments are not automatically deducted from your savings account.
  • When you’ve managed all of your credit obligations responsibly consistently for 12 months, you’ll be well on your way to a strong credit standing, and we may be able to move you to an unsecured credit card product.

Apply Now! 

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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. and these cards are available to United States residents only.

©2013 U.S. Bank National Association. All rights reserved.

All cardmember communications will be in English (in Spanish when possible). In the event of a discrepancy between the English and Spanish languages the English version will prevail.


1 Late payments and going over the credit limit may damage your credit history.
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2 One-time new LifeMiles Visa Cardmember First Use LifeMiles will be awarded when you use your card for purchases.  Please allow 6 to 8 weeks for First Use LifeMiles to be credited to the primary cardmember’s LifeMiles Mileage account.  LifeMiles Visa Card must be open and in good standing at the time of the Mileage award. This offer is valid for new LifeMiles Visa Card accounts only. Previous accounts closed within the last 12 months will be reopened and no First Use bonus LifeMiles will be awarded. This offer may not be combined with any other enrollment offer.
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3 When redeeming LifeMiles for excess baggage, LifeMiles Visa Signature, LifeMiles Visa and LifeMiles Visa Secured cardmembers will receive a 50%, 25% and 15% Excess Baggage Discount, respectively. This discount can only be redeemed at TACA ticketing offices (not web, Call Center or Airport). The excess baggage redemption must be completed at least 6 hours prior to flight departure and is available for revenue tickets only. Only one excess baggage redemption is required per piece of baggage each way (Origin – Destination) regardless of the number of segments. The excess baggage redemption waives the applicable fee for an additional piece of baggage of the size and weight allowed under the current Baggage Policy or the applicable fee for excess weight (up to 100 pounds) or dimensions (up to 85 linear inches) for one piece of baggage. There is a maximum of three excess baggage redemptions each way. The Passenger Name Record (PNR) will be documented with entries indicating the number of excess baggage redemptions. Each excess baggage redemption will be shown as a separate entry on your LifeMiles account. The Excess Baggage Discount percent shown is based on an 8,000 LifeMiles requirement for one excess baggage redemption. This benefit will soon apply to Avianca flights. U.S. Bank is not responsible for applying the Excess Baggage Discount.    LifeMiles Corp. may change the LifeMiles rules, program partners, regulations, and benefits, conditions of participation or LifeMiles levels, in whole or in part, at any time with or without notice, even though changes may affect the value of LifeMiles already accumulated. LifeMiles Corp. may withdraw, limit, modify or cancel any award, increase the LifeMiles required for any award, modify or regulate the transferability of awards, add an unlimited number of blackout dates or limit the number of seats available to any or all destinations.
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4 Certain conditions and exclusions apply. Refer to your LifeMiles Visa Guide to Benefits for more details.
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5 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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