Yes, it is hard to get the U.S. Bank Visa® Platinum Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the U.S. Bank Platinum.
In order to get the U.S. Bank Platinum, you will have to meet the credit score requirement, 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 even if you meet all of the requirements for the U.S. Bank Platinum, you’re never guaranteed to be approved.
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.
U.S. Bank credit limits are $300 at a minimum, depending on the card. The U.S. Bank credit card with the highest starting credit limit is the U.S. Bank Secured Visa® Card, which has a maximum credit limit of $5,000, depending on the deposit amount.
Don’t be surprised if you can’t find any credit limit details in the U.S. Bank card terms, since U.S. Bank doesn’t list the minimum credit limit for many of its credit cards. You’ll find out your card’s credit limit after approval, though, and applicants with a high income and excellent credit will generally get the highest U.S. Bank credit limits. … read full answer
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
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.
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