What are the benefits of U.S. Bank credit cards?

The US Bank credit card car rental insurance is only available when you decline the rental company's insurance and use your eligible US Bank Visa card to pay for the rental instead. It covers:

• Physical damage and/or theft
• Valid loss-of-use charges
• Reasonable and customary towing charges to the nearest service
... read full answer

It offers reimbursement up to the total cash value of the vehicle.

Vehicles that are not covered:

• Expensive, exotic and antique cars
• Cargo vans
• Trucks
• Motorcycles
• Limousines

To report an accident, or theft, call 1-800-348-8472 as soon as possible, but no later than 45 days after occurrence.

To file a claim, click here, but remember: it must be postmarked within 90 days of the incident!

The U.S. Bank credit card travel insurance works by offering a variety of protections, like:

• Travel accident insurance
  
• Rental car insurance
  
• Lost luggage insurance
  
• Trip cancellation insurance
  
• Travel and emergency assistance services
  

To benefit from the coverage you must use your eligible U.S. Bank credit card to purchase your trip. Such cards are: ... read full answer

• U.S. Bank Altitude Go Visa Signature Card
  
• U.S. Bank FlexPerks Gold American Express Card
  
• U.S. Bank Altitude Reserve Visa Infinite Card
  

Not all U.S. Bank credit cards offer travel insurance, and the ones that do may not have all of the above mentioned.

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.... read full answer

To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income U.S. Bank has on file. U.S. Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

How to Get a U.S. Bank Credit Limit Increase

• Online: Log in to your online account and choose the U.S. Bank card for which you're requesting the increase (if you have more than one card). After that, click "Self Service", and then "Request Credit Limit Increase". Then, enter your annual income and the other financial information and follow the on-screen instructions to complete the request.
• Through the mobile app: Download the app (for Android or iOS) and then log in to your account. After that, tap on “Manage Cards” from the main menu and select the “Request Credit Limit” option. Then, provide all the information requested, check if the info is correct, and select “Submit my request”.
• Over the phone: Call (800) 285-8585 and enter your card number or your Social Security Number. Then, follow the prompts to get connected to a customer service representative.

You should receive a decision in just a few seconds. If you're approved for a U.S. Bank credit limit increase, the new limit will be effective immediately.

Impact of a U.S. Bank Credit Limit Increase on Your Credit Score

When you request a U.S. Bank credit limit increase, U.S. Bank may conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. U.S. Bank cannot do a hard pull without your permission, though.

It is worth noting that an automatic credit limit increase involves a soft pull, which does not affect your credit score.