There are 26 states that have U.S. Bank branches, including California, Florida, and Ohio. Even if you don’t live in a state with a U.S. Bank branch, you can still apply for one of the bank’s financial products, which are available nationwide, though the bank’s website.
States That Have U.S. Bank Locations
In total, there are more than 2,000 U.S. Bank locations across those 26 states. However, the number of U.S. Bank branches varies heavily from state to state, from hundreds in California to fewer than 10 in some other states. Even if there’s a branch in your state, it might not be very convenient.
Online: To apply online, visit the U.S. Bank’s website, select the credit card you're interested in and then click on “Apply now.”
Mobile app: You can also apply for a U.S. Bank credit card through the mobile app. Select Explore & apply at the bottom of the main dashboard. Then, review the credit cards available, select the desired card and choose “Apply”.
Phone: To apply via phone, just call (800) 872-2657 and follow the prompts to get connected to a representative. You can also call them if you need assistance with your online application.
U.S. Bank branch: You can apply at your nearest U.S. Bank branch during normal business hours.
U.S. Bank credit cards have different score requirements, so you might want to check your credit score before applying for one. Some of them offer rewards and promotional intro APR offers.
Lastly, you can take a look at our editors’ latest picks for the best U.S. Bank credit cards on the market to find one that best fits your needs.
In any case, it shouldn’t take much longer than a week to get a final decision. If you’re approved, your card will arrive in the mail within 10 business days of the decision being reached. And if you’ve been denied, you’ll receive a letter explaining why. If you want to check your status in the meantime, there are a few more details you need to know.… read full answer
Here’s how to check your U.S. Bank application status:
Application Status Phone Number: Call (800) 947-1444, choose the first option from the menu and enter your Social Security number. U.S. Bank needs your SSN to locate your application.
Online Status Check: There are two ways to check your U.S. Bank credit card application status online: using your online banking ID and password or with your name, birthdate and Social Security number.
Three Possible Statuses: You will be approved, denied or told your application is still pending.
Standard Decision Timeline: You will receive a decision in the mail within 7-10 business days.
When You’ll Get Your Card: You’ll receive your card within 7-10 business days of being approved, if you’re approved.
If your application is denied, you can call the U.S. Bank credit card reconsideration line at (800) 947-1444. Reconsideration lets you present your case to a credit analyst who can consider factors a computer algorithm might have missed as well as any relevant changes in your circumstances.
For those of you who have yet to apply, there are a few more things to be aware of. Perhaps most importantly, there are U.S. Bank credit cards for people with credit scores ranging all the way from bad to excellent. But they don’t all have U.S. Bank in their name. Many credit cards issued by U.S. Bank are co-branded, which means they’re named after the company or organization they’re affiliated with and often provide special benefits related to that group.
Plus, some offers are better than others for different types of people. It’s all about finding the card with the best terms for the types of transactions you plan to make that also gives you high odds of approval.
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