Chip Lupo, Credit Card Writer
@CLoop
U.S. Bank has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. U.S. Bank does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of approval, U.S. Bank’s mailed or e-mailed pre-approval offers will be for one specific credit card.
If you wish to respond to a U.S. Bank pre-approved offer received by mail or e-mail, 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 that your chances of getting approved are very high if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to apply for the card, U.S. Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
People also ask
What credit score do you need for a U.S. Bank credit card?
You need a credit score of at least 700 to get most U.S. Bank credit cards, but the actual credit score requirements vary by card. 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.
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...
Does getting pre-qualified hurt your credit score?
Getting pre-qualified does not hurt your credit score. A pre-qualification only triggers a soft credit inquiry, so your credit report won't be fully pulled and analyzed, and your credit score will be unaffected.
However, once you apply for a specific credit card or mortgage, you will trigger a hard inquiry. Hard inquiries directly impact your credit score, lowering it by up to 5 - 10 points, but scores usually recover within a few months. Hard inquiries...
read full answerDo U.S. Bank credit cards give instant approval?
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".
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