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This question is about the U.S. Bank Visa® Platinum Card
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Maria Adams, Credit Cards Moderator
@m_adams
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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.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the U.S. Bank Platinum, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the U.S. Bank Platinum credit score requirement. You can check your credit score for free on WalletHub.
This answer was last updated on 01/27/23 and it was first published on 07/16/21. 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.
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pinkstar, Member
@pinkstar
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You need a credit score of at least 750 to qualify for the US Bank Platinum card. However, they will also look at your income, debt, recent inquiries and more to determine approval.
This answer was first published on 12/10/18. 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.
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Aaron Pollard, Member
@aaronp15
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Alternatively, you can open a secured US Bank card and in six months request it to be upgraded to a platinum card. I got a US Platinum card with a 595 fico two years ago going this route.
This answer was first published on 12/14/18. 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.
People also ask
What credit score do you need for a U.S. Bank credit card?
You need a credit score of 700 or higher 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.
Score Requirements for U.S. Bank Credit Cards
- U.S. Bank Altitude® Connect Visa Signature® Card: 750 (Excellent credit)
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What is the easiest U.S. Bank credit card to get?
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.
In addition, the U.S. Bank Cash+® Visa® Secured Card offers:
- 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose, and 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center.
- 2% cash back on your choice of one everyday category, like gas stations, EV charging stations, restaurants or grocery stores.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Get your cash back in the following ways: Statement credit, Direct deposit into your U.S. Bank checking or savings account or as a Rewards card.
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Beyond secured credit cards, U.S. Bank offers several unsecured credit cards...
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What is the U.S. Bank credit limit?
U.S. Bank credit limits are $300 at a minimum, depending on the card. The U.S. Bank credit card with the highest starting credit limit is the U.S. Bank Secured Visa® Card, which has a maximum credit limit of $5,000, depending on the deposit amount.
Don’t be surprised if you can’t find any credit limit details in the U.S. Bank card terms, since U.S. Bank doesn’t list the minimum credit limit for many of its credit cards. You’ll find...
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* The information about the following cards has been independently collected by WalletHub: U.S. Bank Visa® Platinum Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Secured Visa® Card, U.S. Bank Altitude Reserve Visa Infinite® Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Altitude® Go Visa® Secured Card, U.S. Bank Cash+® Visa® Secured Card, U.S. Bank FlexPerks®Gold American Express®Card, and Fifth Third 1% Cash/Back Card.
