U.S. Bank Credit Cards

You can check your U.S. Bank credit card application status by either logging into your U.S. Bank account online or calling customer service at 800-947-1444 and providing your Social Security number. You’ll find out if your application is approved, denied, or pending.

 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.

Here’s how to check your U.S. Bank application status: 

1. Application Status Phone Number: Call 1-800-947-1444, choose the first option from the menu and enter your Social Security number. U.S. Bank needs your SSN to locate your application. 

 2. 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. 

3. Three Possible Statuses: You will be approved, denied or told your application is still pending. 

 4. Standard Decision Timeline: You will receive a decision in the mail within 7-10 business days. 

 5. 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 1-800-947-1444. 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. You can find an overview of some of the top offers below. 

Here are 2018’s best U.S. Bank Credit Cards: 

The US Bank credit card credit score requirements depend on the card. 
The Harley-Davidson Secured one is good for bad credit and a credit score in the 500s is acceptable. But if your score is good or excellent (700+), you can go for the Visa Platinum card.

The best way to do a U.S. Bank balance transfer is to apply for the U.S. Bank Visa Platinum Card, which has a 0% balance transfer APR for 20 months with a 3% transfer fee. After 20 months, the Platinum Card’s regular APR of 14.24% - 25.24% (V) kicks in, applying to any balance remaining at that time. U.S. Bank accepts balance transfers from auto loans, personal loans, student loans and credit cards from other issuers.

You can request a U.S. Bank balance transfer online, by phone, or with a balance transfer check (which may be available by request). You just have to provide some basic information about the account you want to transfer a balance from and the amount you wish to transfer. U.S. Bank will determine how much to allow you to transfer by reviewing your credit history, income and existing debt.

It’s best to request your transfer when opening an account, or soon after, so you can take advantage of promotional financing. A U.S. Bank balance transfer provides 9 to 20 months to pay off existing debt at 0% interest.

Here is how to do a U.S. Bank balance transfer:

• Online: Log into your online account, select your credit card, and click the “Request a Balance Transfer” link from the “Take Action” menu. Put in the creditor’s name and address, your account number, and the amount you wish to transfer, then submit.
  
  
• Phone: Call U.S. Bank customer service at 800-285-8585. When prompted, say “main menu,” then “representative.” State that you’re requesting a balance transfer, and provide the customer service rep with the necessary information.
  
  
• Balance transfer check: Using a balance transfer check is a bad idea because U.S. Bank will treat the transaction as a cash advance. That means fees and interest will be too expensive for this type of transfer to make sense.
  
  
• Eligible balances: U.S. Bank accepts balances owed on credit cards, personal loans, auto loans and more from other banks and credit unions. You cannot transfer balances from other U.S. Bank accounts.
  
  
• Processing Time: It may take up to two weeks for a balance transfer to post to your account. Make sure to continue paying your original creditor until the transfer goes through. You’ll ultimately get credit from U.S. Bank.

The Visa Platinum Card isn’t the only notable balance transfer credit card that U.S. Bank has to offer. For example, the Cash+ Visa and Cash 365 Amex cards have 0% balance transfer APRs for 12 months with a 3% transfer fee and a regular APR. You will need excellent credit to have a good chance of being approved for any of the 0% balance transfer U.S. Bank cards.

There isn't really a general U.S. Bank credit card limit. Limits vary from cardholder to cardholder, based primarily on their creditworthiness and income. As a guideline, if you have fair credit, expect about $2,000, good credit about $5,000 and $9,000 and more with excellent credit.

You can get U.S. Bank pre-approval for a credit card online by giving some basic personal information like your name, address and Social Security number. This will allow U.S. Bank to do a harmless soft pull of your credit report and determine whether you stand a good chance of getting approved for any of their cards. They’ll show you any cards where your odds are high.

It’s important to remember that by checking for U.S. Bank pre-approval, you’re not actually applying for a credit card. Even people who get pre-approved aren’t approved for an account 100% of the time when they do submit an application. When you apply for a card, U.S. Bank will have to pull your credit once again, this time doing a hard pull which will cause a temporary dip in your score. But any score damage from applying is worth the long-term benefit of getting a new account. 

Here’s how to get U.S. Bank pre-approval:

1. Visit U.S. Bank’s pre-approval page. 
2. Enter your name, your address and the last four digits of your SSN.
3. Choose from the list of benefits under “What’s important to you?”: travel rewards, cash rewards, retail rewards, and introductory interest rate offers.
4. Type the security code shown in the captcha picture into the box below.
5. Confirm you understand that you’re not applying for a card and that U.S. Bank has permission to look at your credit. 
6. Click “Find my offers” to see the U.S. Bank credit cards you’re pre-approved for. 

It’s also useful to note that you might get a U.S. Bank pre-approval offer in the mail. In that case, you can go to their mail offer retrieval page and enter the confirmation code from your letter to apply. Or you can just mail back the application they enclosed. 

With that being said, we always recommend comparing credit cards you’re pre-approved for to competing offers. This allows you to confirm that you’re getting the best deal you’re likely to be approved for. For example, if you get pre-approved for the U.S. Bank Visa® Platinum Card, which requires excellent credit, then you should have high approval odds for most credit cards, including the rest of the best credit cards with 0% APRs.

The answer to how many U.S. Bank credit cards you can have depends on a number of variables within your credit qualifications: such as your creditworthiness and payment history on your credit accounts. So it's best to call them and talk to a customer service rep and find out. The number is on the back of your card.

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.

The U.S. Bank College Visa Credit Card limit was $300 or more, but the card is no longer available. U.S. Bank currently has a few credit cards that could work well for students, but all of their credit cards require at least good credit for approval. If you're a student with at least good credit, the U.S. Bank Cash+ Visa card is a great option. It gives 1 - 5% Cash Back cash back rewards depending on categories. U.S. Bank doesn't list minimum or maximum credit limits for its credit cards, but your limit is likely to be $300 or more.