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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 $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 
  • No Annual Fee for the first year† ($25 thereafter)
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

It's Easy, Safe, and Practical:
Just send us a cashier's check, a certified check, or a money order with your credit card application (from $300 to $5,000) to open a savings account. Once you're approved, we'll send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card when you use it at a restaurant or store.

Your deposit is used to open a savings account which assures your credit card can be paid. The money in your savings account is there to secure your credit line. The money in your savings account is FDIC insured and won't be touched as long as you make all of your credit card payments on time and your account remains open. Plus, you’ll earn interest on the money in your savings account.

Your purchases are billed to you each month. Payments are not automatically deducted from your savings account. You are responsible for making at least your minimum payment by the due date each month.

Here's how to apply:

  1. Complete an application. 
  2. Print and sign the application.
  3. Write a check for $300 to $5,000 made payable to U.S. Bank National Association. The check MUST BE a certified check, money order, or cashier's check.
  4. Mail your application along with your check to:
         U.S. Bank National Association ND
         Cardmember Service
         PO Box 6363
         Fargo, ND 58125-6363
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.

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 ND 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 ND, pursuant to license from Visa U.S.A. Inc. and these cards are available to United States residents only.

©2012 U.S. Bank National Association ND. 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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