How do I apply for a U.S. Bank credit card? This question is about U.S. Bank Credit Cards

You can apply for a U.S. Bank credit card online, via the U.S. Bank mobile app, or by phone at (800) 872-2657. Alternatively, you can apply at a U.S. Bank branch. Once you submitted your application, it can take 7-10 business days to receive a decision. Here’s how you can apply for a U.S. Bank credit card: Online: To apply online, visit the U.S. Bank’s website, select the credit card you're interested in and then click on “Apply now.” Mobile app: You can also apply for a U.S. Bank credit card through the mobile app. Select Explore & apply at the bottom of the main dashboard. Then, review the credit cards available, select the desired card and choose “Apply”. Phone: To apply via phone, just call (800) 872-2657 and follow the prompts to get connected to a representative. You can also call them if you need assistance with your online application. U.S. Bank branch: You can apply at your nearest U.S. Bank branch during normal business hours. U.S. Bank credit cards have different score requirements, so you might want to check your credit score before applying for one. Some of them offer rewards and promotional intro APR offers. Lastly, you can take a look at our editors’ latest picks for the best U.S. Bank credit cards on the market to find one that best fits your needs.

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How do I apply for a U.S. Bank credit card?

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This question is about U.S. Bank Credit Cards

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Maria Adams, Credit Cards Moderator

@m_adams • 07/01/22 This answer was first published on 06/28/21 and it was last updated on 07/01/22.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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You can apply for a U.S. Bank credit card online, via the U.S. Bank mobile app, or by phone at (800) 872-2657. Alternatively, you can apply at a U.S. Bank branch. Once you submitted your application, it can take 7-10 business days to receive a decision.

Here’s how you can apply for a U.S. Bank credit card:

Online: To apply online, visit the U.S. Bank’s website, select the credit card you're interested in and then click on “Apply now.”
Mobile app: You can also apply for a U.S. Bank credit card through the mobile app. Select Explore & apply at the bottom of the main dashboard. Then, review the credit cards available, select the desired card and choose “Apply”.
Phone: To apply via phone, just call (800) 872-2657 and follow the prompts to get connected to a representative. You can also call them if you need assistance with your online application.
U.S. Bank branch: You can apply at your nearest U.S. Bank branch during normal business hours.

U.S. Bank credit cards have different score requirements, so you might want to check your credit score before applying for one. Some of them offer rewards and promotional intro APR offers.

Lastly, you can take a look at our editors’ latest picks for the best U.S. Bank credit cards on the market to find one that best fits your needs.

Answer Question

How can I get a U.S. Bank virtual credit card?

Unfortunately, the U.S. Bank does not offer virtual credit card numbers, and there are currently no indications this will change anytime soon. However, U.S. Bank cardholders can still get a virtual credit card through the payment system Click to Pay.

Click to Pay was started in late 2019 as a collaborative virtual payment service between the ... read full answer major credit card networks (Visa, Mastercard, American Express, etc.). It is similar to the virtual credit card benefits offered by many card issuers, but it’s open to any credit card on the top four card networks. Therefore, even though U.S. Bank does not offer virtual credit cards directly, you can still get a virtual card number for a U.S. Bank credit card through Click to Pay in order to have an added layer of security for online purchases.

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What credit score do you need for a U.S. Bank credit card?

You need a credit score of at least 750 to get most U.S. Bank credit cards, but the actual 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.

... read full answer

In addition, 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.

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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How can I check my U.S. Bank application status?

You can check your U.S. Bank credit card application status by calling customer service at (800) 947-1444 and providing your Social Security Number. This way, you’ll find out if your application is approved, denied, or pending.

In any case, it shouldn’t take much longer than a week to get a final decision. If you’re approved, your card will arrive in the mail within 7-10 business days of the decision being reached. If you’ve been denied, you’ll receive a letter explaining why.... read full answer

How to Check Your U.S. Bank Credit Card Application Status

Call the U.S. Bank credit card customer service at (800) 947-1444.

Choose the first option from the menu and enter your Social Security Number. U.S. Bank needs your SSN to locate your application.

The customer service rep will tell you if your application is pending, approved, or denied.

If your application is denied, you can call the U.S. Bank credit card reconsideration line at (800) 947-1444. Reconsideration lets you present your case to a credit analyst who can consider factors a computer algorithm might have missed as well as any relevant changes in your circumstances.

What to Consider Before Applying for a U.S. Bank Credit Card

For those of you who have yet to apply, there are a few things to be aware of. Perhaps most importantly, there are U.S. Bank credit cards for people with credit scores ranging all the way from bad to excellent. But they don’t all have U.S. Bank in their name. Many credit cards issued by U.S. Bank are co-branded, which means they’re named after the company or organization they’re affiliated with and often provide special benefits related to that group.

Plus, some offers are better than others for different types of people. It’s all about finding the card with the best terms for the types of transactions you plan to make which also gives you high odds of approval.

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