Easiest U.S. Bank Card to Get Approved For in 2024 (2024)

FAQs

Easiest U.S. Bank Card to Get Approved For in 2024? ›

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.

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.

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.

You need a FICO® Score of 670 or higher for most U.S. Bank credit cards, but its secured credit cards don't have a minimum credit score.

With U.S. Bank Instant Card ^® you can extend a temporary virtual credit card to anyone in your organization, anywhere, instantly and keep your operations moving.

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.

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.

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get approved for because there's no credit check for new applicants. In addition to being easy to get, the OpenSky Plus Card has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build credit.

Credit invisibility can make things like getting approved for a credit card or a loan more difficult or costly. It's possible to get a credit card with no credit. You might consider applying for a secured credit card, student credit card or retail store credit card to help establish and build your credit.

What is an instant approval credit card? ›

You may not always have to wait for the physical plastic (or metal) to hit your mailbox. Once you're approved, some issuers do offer instant access to your credit line, often in the form of a temporary virtual card number, which you can use to make purchases until you receive the actual card.

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.

As you'll notice from the cards mentioned above, instant card numbers primarily come with Amex cards, co-branded cards and store cards. That leaves out many major card issuers, such as Discover and Chase, so you'll have to wait roughly 10 business days to receive those cards in the mail before being able to use them.

Credit Score and Financial History

Typically, U.S. Bank requires a FICO score of 660 or above for approval.

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Good credit: A FICO® Score of 670 or higher is suggested when applying for a Wells Fargo card. There isn't a strict minimum credit score with Wells Fargo, but it typically only approves applicants with good credit or excellent credit.

That means people with credit scores below 640 have a shot at getting approved for the U.S. Bank Secured Visa® Card. Secured cards are easier to get than unsecured cards because they require a deposit to open the account, which U.S. Bank will use as collateral to secure the account.

The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.

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.

The credit score you need for the U.S. Bank Platinum card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.