The best U.S. Bank credit card for bad credit is the U.S. Bank Cash+® Visa® Secured Card due to its versatile ongoing rewards: 5% cash back on two categories of your choice (up to $2,000 each quarter), 2% on your choice of one everyday category (like gas stations, grocery stores or restaurants) and 1% on all other purchases. This U.S. Bank card also comes with a $0 annual fee and reports account activity to all three of the major credit bureaus (TransUnion, Experian and Equifax).
Most other U.S. Bank credit cards require at least good credit or better (a credit score of 700+) for approval. But there are some options for people with lower scores to work with. And some of these also offer rewards.
U.S. Bank Credit Cards for Bad Credit
U.S. Bank Cash+® Visa® Secured Card: Cardholders earn 5% cash back on two categories of your choice (up to $2,000 each quarter), 2% on your choice of one everyday category (like gas stations, grocery stores or restaurants) and 1% on all other purchases. $0 annual fee. Offers a credit limit of at least $300 in exchange for a minimum security deposit of $300.
U.S. Bank Altitude® Go Visa® Secured Card: Cardholders earn 4 points per $1 spent on dining (including takeout and food delivery), 2 points per $1 spent at grocery stores (including grocery delivery) as well as with streaming services and gas stations, and 1 point per $1 spent on all other purchases. $0 annual fee. Offers a credit limit of at least $300 in exchange for a minimum security deposit of $300.
Harley-Davidson® Secured Credit Card: Offers a credit limit of at least $300 in exchange for a minimum security deposit of $300. Earns 1 point per $1 spent on all purchases. $0 annual fee.
If you use the U.S. Bank Cash+® Visa® Secured Card responsibly over time, you may be able to qualify for a U.S. Bank credit card with more attractive terms. Responsible card use means establishing a history of on-time payments and not maxing out the card’s credit limit.
The U.S. Bank credit card credit score requirements vary by card. One of the easiest U.S. Bank credit card to get is the U.S. Bank Secured Visa® Card, which accepts applicants with bad credit and has a $0 annual fee.
The best U.S. Bank credit cards require a 750 credit score or higher for good approval odds. And 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.… read full answer
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.
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.… read full answer
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
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.
U.S. Bank can provide instant approval for their credit cards, and that happens pretty often. However, there are some cases when they need to further verify your information, and that will take 7-10 business days. They will prompt you when completing your application: "Your application may be subject to further verification. You will be receiving additional information in the mail in 7-10 days".… read full answer
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