How Do You Get U.S. Bank Pre Approval For a Credit Card? (2024)

FAQs

Does the U.S. Bank do pre-approval for credit cards? ›

The preapproval process for a U.S. Bank credit card does not require documents when accepting an offer. However, this process involves filling out a form with personal information.

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.

One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.

Be prepared that the review of your credit history will result in a hard credit pull.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

Credit Score and Financial History

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

U.S. Bank card credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.

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.

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.

Deposit $5,000 to earn a $400 bonus, or $25,000 for an $800 bonus, within 30 days. Maintain that balance for 60 days after opening the account. If you deposited $5,000 for the $400 bonus, you need to maintain a balance of at least $5,000. If you deposited $25,000 for the $800 bonus, you must maintain at least $25,000.

What Bank is the hardest to get a credit card from? ›

Centurion® Card from American Express

A rating of 5 is the best a card can receive. 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.

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.

So, if you've been asking yourself, “what does pre-approved mean for a credit card?” know that you're not the only one. And while pre-approval offers don't guarantee approval, they can indicate that you have a higher chance of being approved once you finally apply for that 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.