Chip Lupo, Credit Card Writer
@CLoop
Yes, you can upgrade an eligible U.S. Bank credit card to a better offer as long as you’ve had the card for at least 12 months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your U.S. Bank card qualifies for an upgrade, call customer service at 1-800-869-3557.
U.S. Bank Credit Card Upgrade: What You Should Know
- The account should be open for at least 12 months before requesting an upgrade.
- A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
- U.S. Bank only allows upgrades to cards within the same card family. For example, you cannot upgrade from a regular credit card to a business card or co-branded card.
- If you upgrade to a U.S. Bank card with an annual fee, the charge will appear on the new card's first monthly statement.
- If you're eligible for a refund on your existing card's annual fee, U.S. Bank will pro-rate the amount of your refund, based on how long it's been since the fee posted to your original account.
- You will not be eligible for any initial bonus offers or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
- U.S. Bank credit card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
Approval for a U.S. Bank credit card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7 - 10 days from the approval date. Your card number may change, and your new card will come with an updated expiration date and security code.
Keep in mind that you will be able to use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Unless stated otherwise in the upgrade terms, your current credit limit, APR, and any unredeemed rewards will carry over to the new card.
People also ask
What is the easiest U.S. Bank credit card to get?
One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.
In addition, the U.S. Bank Cash+® Visa® Secured Card offers 1 - 5% cash back and the card’s annual fee is $0.
Some of the Easiest U.S. Bank Credit Cards to Get
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Beyond secured credit cards, U.S....
read full answer by Maria Adams, Credit Cards ModeratorHow do I request a credit limit increase with U.S. Bank?
You can get a U.S. Bank credit limit increase by making a request online, through the mobile app, or over the phone at (800) 285-8585. But you might also get a U.S. Bank credit limit increase without even asking. U.S. Bank may offer an automatic credit limit increase if its regular reviews of your account show a history of on-time payments and low debt.
To raise your chances of being approved for a higher credit limit,...
read full answer by Chip Lupo, Credit Card WriterHow can I check my U.S. Bank application status?
You can check your U.S. Bank credit card application status by calling 1 (800) 947-1444. When you call, you’ll need to provide your Social Security number so that U.S. Bank can match you to your application. You cannot check your U.S. Bank application status online.
How to Check Your U.S. Bank Credit Card Application Status
- Call 1 (800) 947-1444.
- Follow the prompts that lead to an application status check or connect with a representative and...
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