Maria Adams, Credit Cards Moderator
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.
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.
Aaron Pollard, Member
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.
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