Maria Adams, Credit Cards Moderator
@m_adams
The U.S. Bank credit score requirement is 700 or higher for the best U.S. Bank credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from U.S. Bank with limited credit history or a bad credit score, for example.
Credit Score Recommended by U.S. Bank Card
- U.S. Bank Secured Visa® Card: 300 (Bad credit)
- U.S. Bank Altitude® Go Visa® Secured Card: 640 (Fair credit)
- U.S. Bank Cash+® Visa® Secured Card: 300 (Bad credit)
- U.S. Bank Cash+® Visa Signature® Card: 700 (Good credit)
- U.S. Bank Shield™ Visa® Card: 700 (Good credit)
- U.S. Bank Altitude® Connect Visa Signature® Card: 750 (Excellent credit)
- U.S. Bank Smartly™ Visa Signature® Card: 700 (Good credit)
- U.S. Bank Business Altitude™ Power Visa Signature® Card: 750 (Excellent credit)
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card: 750 (Excellent credit)
Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a U.S. Bank credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
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 you get U.S. Bank pre approval for a credit card?
U.S. Bank sends pre-approved card offers to potential applicants via mail or e-mail, and existing customers may receive pre-approval for a new card through their online account. To respond to a U.S. Bank pre-approved offer, visit the website listed in your offer and enter the enclosed invitation code. This allows U.S. Bank to flag the application as pre-approved.
U.S. Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate...
read full answer by Chip Lupo, Credit Card WriterDoes U.S. Bank give instant approval?
U.S. Bank gives instant approval on its credit cards, but only some of the time. Instant approval is possible when applying for a U.S. Bank credit card online, though getting approved for an account – immediately or otherwise – is never guaranteed. Fortunately, there are several things that can increase your chances of getting approved right away, from having a high credit score to making sure you fill out the application accurately.
Factors That...
read full answer by Peter Fox, WalletHub AnalystDid we answer your question?
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