What is the minimum credit score for U.S. Bank?
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.
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.
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit.
Yes, U.S. Bank does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.
The credit score you see in U.S. Bank mobile and online banking is a unique score derived from the VantageScore 3.0 model to help you understand your creditworthiness. The model incorporates the same data considered by the three main credit reporting companies (TransUnion, Equifax and Experian).
| Card name | Reward highlights | Bankrate review score |
|---|---|---|
| Mission Lane Cash Back Visa® Credit Card | Unlimited 1 percent or 1.5 percent for all qualifying purchases | 4.5 / 5 |
| Capital One Platinum Credit Card | N/A | 4.2 / 5 |
When dealerships participate in the U.S. Bank auto financing program, they can accept your pre-approval letter to streamline your financing.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
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. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.
First Latitude Select Mastercard® Secured Credit Card
Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval!
How often does U.S. Bank increase credit limit?
If you have any questions, please call us at 800-285-8585. We accept relay calls. *After the account's been opened for six months, limit increases can be requested every six months thereafter.
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.
Requesting an increase may trigger a pull of your credit history. Be prepared that the review of your credit history will result in a hard credit pull.
The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024. Credit scores, which are like a grade for your borrowing history, fall in the range of 300 to 850. The higher your score, the better.
What score model was used to calculate my score? Your score in Online Banking is a FICO® Score 8 based on TransUnion Data to manage your account and that is what Bank of America shares with you.
For the majority of lending decisions most lenders use your FICO score. Calculated by the data analytics company Fair Isaac Corporation, it's based on data from credit reports about your payment history, credit mix, length of credit history and other criteria.
Maria Adams, Credit Cards Moderator
No, you cannot get an American Express credit card with a 600 credit score, which is considered bad credit. Most Amex credit cards require a credit score of 700 or better for high chances of approval. This means you need to have at least good credit to get an Amex credit card.
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.
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.
Does U.S. Bank do a soft pull?
If you're a U.S. Bank personal checking account client, you can check your personalized rates. We'll use some information about you to do a soft credit check, which will not affect your credit score.
Overall institution rating
The bottom line: It's no secret that big banks sometimes charge high fees and offer low interest rates. U.S. Bank, the country's fifth-largest by assets, is no exception. But what this institution does well is provide convenient access to thousands of physical branches and ATMs.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
- Best for dining: American Express® Gold Card.
- Best for 0% APR: Wells Fargo Reflect® Card.
- Best for groceries: Blue Cash Preferred® Card from American Express.
- Best for cash back: Chase Freedom Unlimited®
