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
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.
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:
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.
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… read full answer 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.
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.
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
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