What is the best U.S. Bank rewards card?

U.S. Bank is an average credit card company overall, but it is good for low annual fees, 0% APR intro offers, and small business features, according to reviews. U.S. Bank credit cards also have a solid user rating of 3.9/5 on WalletHub, based on more than 21,500 reviews.

Reasons Why U.S. Bank Is an Average Credit Card Company… read full answer

• 3.9/5 average user rating on WalletHub
• 5 credit card offers rated 4+ out of 5 by WalletHub editors
• 22.4 million cards in circulation
• Initial bonus offers of up to 50,000 points
• 0% introductory APR for as long as 18 billing cycles
• Offers for people with bad credit
• Annual fees as low as $0

All in all, U.S. Bank is right around average compared to its competitors. It is good for low annual fees and 0% APR intro offers, but other credit card companies are better for heavy spenders and students.

U.S. Bank will automatically increase the credit limit for eligible credit card accounts based on periodic account reviews that typically begin six months after an account is opened. Automatic credit limit increases are done at U.S. Bank's discretion, and there's no guarantee when one will occur.

How to Get an Automatic Credit Limit Increase From U.S. Bank… read full answer

You don't have to do anything for U.S. Bank to review your account for an automatic increase. However, taking the following steps will boost the odds of getting U.S. Bank to automatically increase your credit limit:

• Pay the bill on time for at least the first six months that you have the card.
• Keep your credit utilization below 30%.
• Update your account profile if your income has gone up since you applied for the card.

How a U.S. Bank Automatic Credit Limit Increase Affects Your Credit Score

A U.S. Bank automatic credit limit increase requires a soft pull of your credit, which does not affect your credit score.

U.S. Bank may offer you the option to decline the automatic credit limit increase amount and request a higher increase. If you decline and ask for a higher amount, U.S. Bank will conduct a hard pull on your credit report, but they cannot do so without your permission.

A hard pull may lead to a slight decrease in your credit score, but your score should bounce back after a few consecutive months of timely payments. You can keep track of your progress with free daily credit score updates from WalletHub.

The U.S. Bank credit card credit score requirements vary by card. One of the easiest U.S. Bank credit cards to get is the U.S. Bank Secured Visa® Card, which accepts applicants with bad credit and has a $0 annual fee.

The best U.S. Bank credit cards require a 750 credit score or higher for good approval odds. Most U.S. Bank’s co-branded credit cards require good credit, or a credit score of at least 700. In other words, most U.S. Bank credit cards are for people with good credit or excellent credit, but there are options for applicants with lower scores, too.… read full answer

U.S. Bank Minimum Credit Score Requirements by Card:

• U.S. Bank Altitude® Connect Visa Signature® Card: 750 (Excellent credit)
• U.S. Bank Altitude Reserve Visa Infinite® Card: 750 (Excellent credit)
• U.S. Bank FlexPerks® Gold American Express® Card: 750 (Excellent credit)
• U.S. Bank Altitude® Go Visa Signature® Card: 750 (Excellent credit)
• U.S. Bank Visa® Platinum Card: 700 (Good credit)
• U.S. Bank Cash+® Visa Signature® Card: 700 (Good credit)
• U.S. Bank Cash+® Visa® Secured Card: 300 (Bad credit)
• U.S. Bank Altitude® Go Visa® Secured Card: 300 (Bad credit)
• U.S. Bank Secured Visa® Card: 300 (Bad credit)

Meeting the U.S. Bank credit score requirements does not guarantee your approval for a U.S. Bank credit card. Your income, debt, credit history, and any recent inquiries on your credit report are all considered before you’re approved for a U.S. Bank credit card.