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.

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

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This question is about U.S. Bank Credit Cards

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.

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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.

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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.

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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… 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.

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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

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