You need one FICO® score 670 or higher for most US Bank credit cards, but its secured credit cards do not have a minimum credit score.
US Bank offers a wide selection of credit cards. The recommended credit score depends on the card. Its most popular cards are aimed at consumers with “good credit,” meaning a FICO® score of 670 and above. However, the card issuer also offers cards that are open to everyone, regardless of their credit score.
COMPARE TOP CHOICES: Best US Bank Credit Cards
We should mention that your credit score is not the only thing that matters when applying for a US bank card. Other factors, such as your current income and debts, also play a role. And while there’s a recommended credit score that gives you the best chance of being approved for a card, your credit score alone doesn’t guarantee that you’ll be approved or declined.
US Bank credit cards for good credit
The best credit cards are for consumers with a good credit score (670 or higher), and that’s true for almost all card issuers, including US Bank. In most cases, you need a credit score in or near this range to be approved. An excellent credit score (720 or higher) is even better, but it’s usually not necessary to get the card you want.
Here are the American bank cards that generally require good credit:
US Bank credit cards for building and rebuilding credit
US Bank offers secured credit cards for consumers who are working on their credit. A secured credit card requires a security deposit to open, so card issuers tend to be more flexible about approvals with this type of card.
You can get a US Bank Secured Card if you are completely new to credit and have no activity on your credit report yet. These cards are also an option if you have a low credit score due to past credit issues.
Here are the US bank cards for building and rebuilding credit:
How to Apply for a US Bank Credit Card
The credit card application process itself isn’t too difficult, but there are some steps you need to take first to give yourself the best chance of approval. Here is a brief overview of how to apply for a US Bank credit card:
- Check your FICO® score
- Choose the US Bank credit card you want
- Fill out an application
Now, let’s look at each step in a bit more detail.
1. Check your FICO® score
Your credit score determines which US Bank credit cards you can get. Similar to most major credit card issuers, US Bank reviews your FICO® score when you apply for one of its cards. For this reason, we always suggest checking your FICO® score so that you have the most accurate information.
Here are two free online services you can use to see your FICO® score:
Open an account with either to find out your credit score. If it’s a 670 or higher, you have a good chance of qualifying for the US bank card you want. If it’s below that, you can get one of US Bank’s secure credit cards or focus on increasing your credit score for now.
READ MORE: How to build credit fast
2. Choose the US Bank credit card you want
Review the US bank cards that match your credit profile and choose the one you like best. To choose the best credit card, I always suggest starting with one or two must-have features. For example, you can search:
- Cash back with bonus categories tailored to your spending habits.
- Travel rewards and benefits to save money on your travels.
- An introductory APR of 0% on every purchase to fund big expenses.
- A balance transfer card to pay off credit card debt.
- A card with no annual fee to accumulate credit without any additional bills.
US Bank has all types of credit cards, so choosing one depends on what suits your financial situation.
LEARN MORE: How to choose a credit card
3. Complete an application
Select the “Apply Now” option on the credit card page and complete the application. US Bank will ask you for the following information:
- Full Name
- E-mail address
- Phone number
- Address
- Date of Birth
- Social Security number
- Annual revenue
After submitting the application, there are a few things that can happen. Ideally, US Bank approves your application instantly and you receive your card in the mail within seven to ten business days.
US Bank may put your application on hold if it needs more time to make a decision. You’ll receive a decision by mail within seven to 10 business days, and if you’re approved, you’ll receive your card within the same time frame from approval.
Finally, there is the dreaded denial. Although this is discouraging, it is not always definitive. If your application is denied, try calling US Bank at 1-800-947-1444 and request a reconsideration. In some cases, a representative will override the decision and approve you for the card.
