{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers who can afford a $300 refundable deposit and want a mainstream bank-issued secured card (openai, grok, perplexity, google)"},{"fit":"best_suited","scenario":"Applicants who value three-bureau reporting as the primary credit-building mechanism (all platforms)"},{"fit":"best_suited","scenario":"Consumers who want rewards while rebuilding credit, specifically through the Altitude Go Secured's 4x points on dining and streaming credit"},{"fit":"best_suited","scenario":"Existing U.S. Bank customers who may have better approval odds through an established banking relationship"},{"fit":"not_best_suited","scenario":"Consumers with less than $300 available for a deposit, since the minimum is not among the lowest in the category (openai, anthropic, deepseek, kimi, perplexity, google)"},{"fit":"not_best_suited","scenario":"Applicants seeking a $49, $99, or other sub-$300 initial deposit, which competitors like Capital One and Discover offer (, , deepseek)"},{"fit":"not_best_suited","scenario":"Consumers prioritizing guaranteed approval, since U.S. Bank applies underwriting criteria and approval is not guaranteed by supplying a deposit"},{"fit":"not_best_suited","scenario":"Buyers who expect to carry a balance, given the high variable APR (openai, perplexity, deepseek)"}],"citations":{"source_mix":{"company_owned":13,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":11},"total_sources":27,"unique_domain_count":19},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards With Low Security Deposits","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Low-Deposit Secured Credit Cards","subject":"U.S. Bank","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"U.S. Bank","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"good","subject":"U.S. Bank","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"U.S. Bank","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"U.S. Bank","unit":"platforms","value":3}],"consensus_findings":["Three-Bureau Reporting Is a Consistent Advantage","$0 Annual Fee on Current Products","$300 Minimum Deposit Is the Commonly Reported Entry Point","High Variable APR Is a Shared Concern","Deposit Determines Credit Limit","Graduation Potential Exists but Is Not Guaranteed"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Minimum Deposit: $300 vs. $500","Annual Fee: $0 vs. $39","Fit Ratings Range from \"Good\" to \"Weak\"","Approval Accessibility Is Unclear","Graduation Timeline: 12 Months vs. Unspecified"],"entities":[{"average_rank":6,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"U.S. Bank","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/low-deposit-secured-credit-cards/u-s-bank.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/low-deposit-secured-credit-cards/u-s-bank","report_type":"fit_review","study_id":"CCI-STUDY-FE10FC68E3A6","title":"U.S. Bank for Secured Credit Cards With Low Security Deposits Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 07:47:31.090017+00","research_date":"2026-09-04","source_snapshot_sha256":"4c458b4ceac84e143781baea5ace8cb4417aee7a148dd3ff4c3d5d03c30bdba7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":7,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"U.S. Bank is a mixed-to-weak fit for consumers seeking Low-Deposit Secured Credit Cards, based on analysis from seven AI research platforms. Only 2 of 7 platforms (anthropic, perplexity) named U.S. Bank during the ranking stage, with an average listed rank of 6.0 and a best rank of 5. The strongest reason to consider U.S. Bank is its combination of a $0 annual fee, three-bureau reporting, and rewards-earning potential on the Altitude Go Secured Visa—features rarely bundled together on secured cards. The main limitation is the $300 minimum security deposit, which is higher than competitors…","target_buyer":"Consumers rebuilding credit who have limited cash available for a security deposit and want a lower-entry-cost secured card","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Minimum security deposit","three-bureau reporting","annual and other fees","approval accessibility","APR","graduation potential","credit-limit policy"],"geography":"United States","slug":"best-secured-credit-cards-with-low-security-deposits","title":"Best Secured Credit Cards With Low Security Deposits","use_case":"Low-Deposit Secured Credit Cards"}}