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.
This answer was first published on 05/27/21 and it was last updated on 03/22/23. 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.
FAQs
With a U.S. Bank account in good standing, customers will receive preapproval offers via mail. These will include details along with an offer code. You can then proceed to US Bank and enter your offer code and zip code to continue the application process.
What is the easiest U.S. Bank credit card approval? ›
You need a credit score of at least 750 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.
What credit score is needed for a U.S. Bank credit card? ›
Most U.S. Bank credit cards are intended for consumers with good credit, which is a FICO® Score of 670 or higher. If your credit score isn't there yet, U.S. Bank also offers secured credit cards that don't have a minimum credit score requirement.
Is U.S. Bank easy to get approved for? ›
Credit Score and Financial History
Typically, U.S. Bank requires a FICO score of 660 or above for approval.
What credit score is needed for pre-approval? ›
What credit score is needed for pre-approval? The credit score you need will depend on the lender and the loan program, but generally 620 will be the bottom limit.
What credit card has a $5000 limit with bad credit? ›
The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.
Is it hard to get a U.S. Bank credit card? ›
U.S. Bank card credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.
Which Bank approves credit card easily? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee.
How do I get $400 from U.S. Bank? ›
Deposit $5,000 or more in new money within 30 days of account opening. Deposits totaling $5,000-$24,999 earn $400; deposits totaling $25,000 or more earn $800. It has to be new money, or funds that are not currently held within a U.S. Bank account.
What is the easiest credit card to get? ›
Here's a Summary of the Easiest Credit Cards To Get
- Rates & Fees. ...
- Bank of America® Customized Cash Rewards Secured Credit Card *
- Navy FCU nRewards® Secured Credit Card *
- Petal® 1 “No Annual Fee” Visa® Credit Card *
- Credit One Bank® Platinum Visa® for Rebuilding Credit *
- Rates & Fees. ...
- Rates & Fees.
U.S. Bank is one of the five largest banks in the United States and one of the top 10 largest credit card issuers. With cards designed for people with good credit, bad credit and no credit, U.S. Bank has a credit card for anyone looking for flexible spending and valuable rewards.
What is the minimum income for US credit card? ›
While there isn't a specific income requirement for a card, evaluating your access to income allows a bank to determine your credit health and whether or not they want to lend you money based on their confidence in your ability to make your payments.
What's the easiest U.S. Bank credit card to get? ›
U.S. Bank Cash+ ® Secured Visa ® Card.
Does U.S. Bank give instant approval? ›
Does U.S. Bank Give Instant Approval? Yes, U.S. Bank credit cards may give instant approval when you apply for one of their cards online, though getting approved for an account immediately is never guaranteed.
Which credit bureau does U.S. Bank pull from? ›
US Bank will sometimes pull your Experian credit report, but they will usually pull your Transunion credit report when you apply for business cards. If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card.
Does U.S. Bank do hard pull for credit cards? ›
Be prepared that the review of your credit history will result in a hard credit pull.
Does U.S. Bank check your credit score? ›
No. You can monitor your credit score as closely as you like without taking a “hit” to your credit. The VantageScore credit score provided in U.S. Bank mobile and online banking is for educational purposes only and is not used by U.S. Bank to make credit decisions.
