US Bank Cash+: For Lower than Good Credit.

 The US Bank Cash+ Credit card is a secured credit card that allows you to earn a decent cashback rate and is one of my favorite cards out there for:

• Building and rebuilding my credit score.
• Earning cash back in two categories for 5% return one 2% category and 1% elsewhere.
• You can use this cash for Amazon purchases i.e. giftcards

My personal experience with this card as an average than good credit, is the cashback I earn on those categories. Before you apply, please consider having a minimun $300 to $5,000 initial deposit if approved, you will get the card after 5 to 10 business days. Click here to see a list of merchants for each category you need to choose from in order to earn cashback benefits. Below is a example list you could choose from: 

  

When rebuilding your credit please consider yuour spending habits as using less than 30% is the rule of thumb to have a less impact to your credit score. And if you're able to; payoff your balances before your due date.