Is it hard to get a U.S. Bank Altitude Connect Visa Signature card?

U.S. Bank credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a U.S. Bank credit card.… read full answer

Some U.S. Bank cards may give you higher approval odds than others, though, depending on your credit score. Applicants who choose the right offer can get approved with fair or bad credit.

Credit Requirements for Good U.S. Bank Credit Card Approval Odds

• U.S. Bank Altitude Reserve Visa Infinite® Card: Excellent credit
• U.S. Bank Cash+® Visa Signature® Card: Good credit or better
• U.S. Bank Secured Visa® Card: Bad credit or better
• Harley-Davidson® Secured Credit Card: Bad credit or better

While credit scores are very important, U.S. Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. U.S. Bank will also look at your monthly housing costs and existing debts when considering your application.

For a list of credit cards that you’ll have solid approval odds for, create a free WalletHub account and check out your personalized card suggestions.

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.

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.… read full answer

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.