How hard is it to get a U.S. Bank credit card? This question is about U.S. Bank Credit Cards

It is not very hard to get a U.S. Bank credit card because U.S. Bank offers cards for people with bad credit or better. The easiest credit card to get from U.S. Bank is the Harley-Davidson® Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other U.S. Bank credit cards, too. Minimum Credit Score for Notable U.S. Bank Credit Cards Harley-Davidson® Secured Credit Card: bad credit U.S. Bank Altitude® Connect Visa Signature® Card: excellent credit U.S. Bank Altitude Reserve Visa Infinite® Card: excellent credit U.S. Bank Visa® Platinum Card: good credit As long as you meet the credit score requirement and a few other requirements, it’s not hard to get a U.S. Bank credit card. As with all credit cards, you’ll need to have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN. Keep in mind that just because it’s not hard to get some U.S. Bank credit cards, that doesn’t mean it’s necessarily easy to get all of them. You’re also never guaranteed to be approved, even for the cards with the easiest approval requirements.

Ad Disclosure Ad Disclosure

How hard is it to get a U.S. Bank credit card?

Answer Question Report Abuse

This question is about U.S. Bank Credit Cards

see this user

Kendall Morris, Credit Cards Moderator

@kendallmorris • 10/14/21 This answer was first published on 10/14/21. 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.

Permalink Report Abuse

It is not very hard to get a U.S. Bank credit card because U.S. Bank offers cards for people with bad credit or better. The easiest credit card to get from U.S. Bank is the Harley-Davidson® Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other U.S. Bank credit cards, too.

Minimum Credit Score for Notable U.S. Bank Credit Cards

Harley-Davidson® Secured Credit Card: bad credit
U.S. Bank Altitude® Connect Visa Signature® Card: excellent credit
U.S. Bank Altitude Reserve Visa Infinite® Card: excellent credit
U.S. Bank Visa® Platinum Card: good credit

As long as you meet the credit score requirement and a few other requirements, it’s not hard to get a U.S. Bank credit card. As with all credit cards, you’ll need to have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN.

Keep in mind that just because it’s not hard to get some U.S. Bank credit cards, that doesn’t mean it’s necessarily easy to get all of them. You’re also never guaranteed to be approved, even for the cards with the easiest approval requirements.

Answer Question

People also ask

What are the US Bank credit card credit score requirements?

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.

show less

Is there a U.S. Bank unsecured credit card for bad credit?

No, there aren’t any U.S. Bank unsecured credit cards for bad credit. Most U.S. Bank unsecured credit cards require good or excellent credit for approval.

If you have bad credit, U.S. Bank offers secured credit cards with higher odds of approval than unsecured cards. They include the U.S. Bank Secured Visa® Card and the Harley-Davidson® Secured Credit Card. These U.S. Bank secured cards require a minimum $300 security deposit to open the account. The deposit is placed in an interest-bearing account and is fully refundable when you close the account in good standing.… read full answer

The majority of credit cards are unsecured, rather than secured. The primary difference between the two is that unsecured cards do not require a security deposit to open the account. Otherwise, they function exactly the same way and report to the credit bureaus the same way.

show less

Do U.S. Bank credit cards give instant approval?

U.S. Bank can provide instant approval for their credit cards, and that happens pretty often. However, there are some cases when they need to further verify your information, and that will take 7-10 business days.
They will prompt you when completing your application: "Your application may be subject to further verification. You will be receiving additional information in the mail in 7-10 days".… read full answer

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.