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

Question

U.S. Bank credit card credit score requirements vary by card, and the best U.S. Bank credit cards require a credit score of 750 or higher for good approval odds. 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 of 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.

The best U.S. Bank credit cards require a 750 credit score or higher for good approval odds. 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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Answer 1 · 2023-01-27 17:14:22

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Maria Adams, Credit Cards Moderator

@m_adams • 01/27/23 This answer was first published on 07/16/21 and it was last updated on 01/27/23.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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The credit score you need for the U.S. Bank Platinum card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the U.S. Bank Platinum, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the U.S. Bank Platinum credit score requirement. You can check your credit score for free on WalletHub.

Answer 2 · 2018-12-10 14:33:48

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pinkstar, Member

@pinkstar • 12/10/18 This answer was first published on 12/10/18. 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 need a credit score of at least 750 to qualify for the US Bank Platinum card. However, they will also look at your income, debt, recent inquiries and more to determine approval.

Answer 3 · 2018-12-14 18:46:10

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Aaron Pollard, Member

@aaronp15 • 12/14/18 This answer was first published on 12/14/18. 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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Alternatively, you can open a secured US Bank card and in six months request it to be upgraded to a platinum card. I got a US Platinum card with a 595 fico two years ago going this route.

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

Maria Adams, Credit Cards Moderator

pinkstar, Member

Aaron Pollard, Member

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