Why Is it So Hard to Get a U.S. Bank Credit Card? (2024)

FAQs

Why Is it So Hard to Get a U.S. Bank Credit Card? ›

It is hard to get some U.S. Bank credit cards because they require excellent credit, which means you need a credit score of 750+ for good approval odds. Other U.S. Bank credit cards are easier for people with lower credit scores to get approved for, so it's important to choose wisely.

Is it hard to get a U.S. Bank credit card? It's not hard to get a U.S. Bank credit card, but this depends on your credit score and the card you choose. Most U.S. Bank credit cards are intended for consumers with good credit, which is a FICO® Score of 670 or higher.

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.

Many small business owners with personal credit scores of 700 and above will easily qualify.

Be prepared that the review of your credit history will result in a hard credit pull. A hard pull will typically impact your credit score, lowering it a few points for a short period of time.

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

The Citi Double Cash Card is one of the best cash-back credit cards with no annual fee. Normally, you'd need a good to excellent credit score to be approved for the top credit cards, but you can get the Citi Double Cash Card with fair or average credit.

What credit bureau does U.S. Bank use? Clients enrolled in the U.S. Bank credit score program will see their VantageScore 3.0 credit score, which is provided by TransUnion.

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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.

How long does it take for U.S. Bank to approve a credit card? ›

Typically, you'll receive U.S. Bank's decision on your application within 7-10 business days. Many applicants are approved much sooner than that. If you haven't heard back within a reasonable time frame, you can always call customer service to ask about the delay.

$500 limit with 760 credit, $160,000 a year income, no balance on other cards.

Yes, it is hard to get the U.S. Bank Visa® Platinum Card because it requires at least good credit for approval.

U.S. Bank may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt, but it does not have any cards that guarantee a $5,000+ credit limit. The highest minimum credit limit on a U.S. bank credit card is $1,000 on the U.S. Bank Altitude® Go Visa Signature® Card.

*After the account's been opened for six months, limit increases can be requested every six months thereafter.

We'll use some information about you to do a soft credit check, which will not affect your credit score.

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.

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.

Your new card will arrive within three to seven business days.