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.
How hard is it to get approved for a U.S. Bank credit card? ›
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.
What credit score do you need to get a U.S. Bank card? ›
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's the easiest U.S. Bank credit card to get? ›
U.S. Bank Cash+ ® Secured Visa ® 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.
What credit card has a $5000 limit with bad credit? ›
The best credit card with a $5,000 limit for bad credit is Bank of America® Travel Rewards Secured Credit Card. You can make a deposit from $200 up to $5,000 on the Bank of America Travel Secured Card, making your credit limit equal to that amount. The card also offers 1.5 point per $1 spent and has a $0 annual fee.
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.
What is the highest credit limit for U.S. Bank? ›
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. Maximum credit limits from US Bank can reportedly be as high as $25,000.
Is U.S. Bank a good credit card? ›
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.
Which FICO score does U.S. Bank use? ›
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.
Do you have a job and the money to cover the full amount you charge to your card every month? Credit card companies don't typically verify income through pay stubs or tax returns. However, you will be asked to state how much you make on your application, and providing false information is illegal.
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.
Does U.S. Bank offer pre-approval credit cards? ›
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.
Is it hard to get approved for 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.
What credit card approves everyone? ›
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.
Does U.S. Bank have credit cards for bad credit? ›
Build your credit and create a foundation for the future.
The U.S. Bank Secured Visa ® Card can be used like any other credit card and is accepted world-wide with no annual fee View U.S. Bank Secured Visa Credit Card Terms and Conditions. Mobile Carrier Terms.
