What are my U.S. Bank credit card approval odds? This question is about U.S. Bank Credit Cards

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. 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 U.S. Bank Altitude Reserve Visa Infinite® Card: Excellent credit U.S. Bank Cash+® Visa Signature® Card: Good credit or better U.S. Bank Secured Visa® Card: Bad credit or better Harley-Davidson® Secured Credit Card: Bad credit or better 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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What are my U.S. Bank credit card approval odds?

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This question is about U.S. Bank Credit Cards

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Cameron DiGiovanni, Writer

@cdigiovanni20 • 05/27/21 This answer was first published on 05/27/21. 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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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.

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

U.S. Bank Altitude Reserve Visa Infinite® Card: Excellent credit
U.S. Bank Cash+® Visa Signature® Card: Good credit or better
U.S. Bank Secured Visa® Card: Bad credit or better
Harley-Davidson® Secured Credit Card: Bad credit or better

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

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:...

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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...

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What credit bureau does US Bank use for approvals?

U.S. Bank can pull your credit data from any of the three major U.S. credit bureaus for consumer credit data. That varies based on the state you reside in.
However, as many users report, U.S. Bank is most likely to use your TransUnion credit report when considering your credit card application for approval.
Therefore it's extremely important to check your TransUnion credit report and make sure there isn't any inaccurate information there before applying.

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