What is the easiest U.S. Bank credit card to get? This question is about U.S. Bank Credit Cards

What is the easiest U.S. Bank credit card to get?

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This question is about U.S. Bank Credit Cards

Maria Adams, Credit Cards Moderator

@m_adams • 06/28/21 This answer was first published on 06/28/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The easiest U.S. Bank credit card to get is the U.S. Bank Secured Visa® Card. This card has a minimum deposit amount of $300 to open the account.

Another card offered by U.S. Bank that is easy to get is the Harley-Davidson® Secured Credit Card. This card also requires a minimum deposit of $300. Keep in mind that the amount you put down as a deposit for either card becomes your credit limit.

Given that the credit account is secured, you can get approved for these cards easily, even with bad (300+) credit. The U.S. Bank Secured Visa® Card has an annual fee of $0 and the Harley-Davidson® Secured Credit Card’s annual fee is $0.

Beyond secured credit cards, U.S. Bank offers several unsecured credit cards for good or excellent credit. So, it would be a good idea to first see the minimum credit needed for each card and check your credit score before applying for one.

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Best U.S. Bank Rewards Cards for 2022

Overall U.S. Bank Cash+® Visa Signature® Card
Bonus Rewards Points U.S. Bank Altitude® Connect Visa Signature® Card
Travel Rewards U.S. Bank Altitude Reserve Visa Infinite® Card
Airline Rewards SKYPASS Visa® Signature Credit Card
Business U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

All in all, U.S. Bank rewards cards offer some excellent rewards rates and signup bonuses, if you can get approved. Applicants generally need at least good credit to qualify.

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What's the easiest unsecured credit card to get approved for?

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

Rewards: Credit One Visa.

Small businesses: Capital One Spark Classic for Business.

No credit: Capital One Platinum Credit Card

No annual fee: Petal® 2 Visa® Credit Card.

Easiest store card: Fingerhut Credit Account.

Students: Journey Student Rewards from Capital One.

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.

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