How to Get a Credit Card from U.S. Bancorp

In this article, you’ll learn how to get a U.S. Bank credit card, the steps involved, and tips to increase your approval chances.

Why Choose a U.S. Bank Credit Card?

There are several reasons why millions of customers trust U.S. Bank for their credit card needs:

• Wide selection of cards: From cashback to travel rewards, balance transfers, and student cards.

• Low intro APR offers: Many cards offer 0% APR for purchases or balance transfers.

• Strong mobile and online banking tools: Manage your card easily through the U.S. Bank app or website.

• Solid customer support: Rated highly for its service and support across the country.

Popular Credit Cards from U.S. Bank

Before applying, it helps to know which U.S. Bank credit card fits your needs.

Here are a few of their most popular options:

1. U.S. Bank Visa® Platinum Card

   • Ideal for balance transfers and large purchases

   • 0% intro APR for up to 18 billing cycles

   • No annual fee

2. U.S. Bank Cash+® Visa Signature® Card

   • 5% cashback on two categories you choose (like streaming or gas)

   • 2% cashback on one everyday category (e.g., groceries)

   • No annual fee

3. U.S. Bank Altitude® Go Visa Signature® Card

   • Great for dining and streaming rewards

   • 4X points on dining, 2X on groceries and streaming

   • No annual fee

4. U.S. Bank Altitude® Reserve Visa Infinite® Card

   • Premium travel card with 3X points on travel and mobile wallet purchases

   • $325 annual travel credit

   • $400 annual fee (waived for qualifying banking customers)

Step-by-Step Guide: How to Apply for a U.S. Bank Credit Card

Step 1: Check Your Credit Score

Before applying, it’s wise to check your credit score. U.S. Bank typically requires a good to excellent score (670+) for most of its credit cards, especially the ones that offer rewards or travel perks.

You can check your score for free through many financial apps or credit bureaus.

💡 Tip: If your credit is below 670, consider starting with a secured credit card from U.S. Bank to build your credit history.

Step 2: Choose the Right Card

Based on your financial needs, choose a card that aligns with your goals:

• Want to earn cashback? Try the Cash+® Visa Signature® Card.

• Need to pay down debt? Consider the Visa® Platinum Card with a long intro APR.

• Love to travel? The Altitude® Reserve Card might be for you.

Compare the annual fees, reward categories, APRs, and welcome bonuses to find your best match.

Step 3: Apply Online or In Person

You can apply for a U.S. Bank credit card through one of the following ways:

• Online via the U.S. Bank website (fastest and easiest)

• Mobile App (if you’re already a U.S. Bank customer)

• In Person at a U.S. Bank branch

• By Phone by calling U.S. Bank’s credit card services

When applying, be prepared to provide the following:

• Full legal name

• Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)

• Date of birth

• Residential address

• Employment status and income

• Monthly housing payment (e.g., rent or mortgage)

Step 4: Wait for Approval

After submitting your application, you may receive:

• Instant approval (especially if your credit profile is strong)

• Conditional approval, requiring more verification

• Denial, which you’ll receive with a reason via mail

If approved, you’ll typically receive your physical card within 7 to 10 business days.

Step 5: Activate and Use Your Card

Once you receive the card:

1. Activate it via the U.S. Bank mobile app, online portal, or by phone.

2. Enroll in rewards programs, if applicable.

3. Set up autopay to avoid late fees and build a strong payment history.

How to Improve Your Approval Odds

Here are a few proven ways to increase your chances of being approved for a U.S. Bank credit card:

• Maintain a credit score above 670

• Keep your credit utilization below 30%

• Avoid applying for multiple credit cards in a short time

• Have a stable income and low existing debt

• Become a U.S. Bank customer—having a checking or savings account can improve your standing

What If You’re Denied?

If your application is denied, don’t worry. You can:

• Request a reconsideration by calling U.S. Bank at 1-800-947-1444

• Check your credit report for errors that may have affected your application

• Apply for a secured credit card from U.S. Bank to build or repair credit

Over time, using a secured card responsibly can lead to approval for an unsecured card.

Benefits of Being a U.S. Bank Cardholder

Once approved, you’ll enjoy several perks beyond rewards:

• Fraud protection with zero liability

• Free access to your credit score

• Easy card lock/unlock features through the mobile app

• 24/7 customer support

And if you link your card to your U.S. Bank account, managing payments and transfers becomes seamless.

Final Thoughts

U.S. Bancorp offers a variety of credit cards to meet different financial needs—from cashback to low-interest balance transfer cards and premium travel rewards.

With a straightforward application process and robust mobile tools, it’s easy to apply for and manage your U.S. Bank credit card.

To get started, check your credit, choose the right card, and apply online or at a branch.

Whether you’re looking to save on interest, earn rewards, or build credit, U.S. Bank has a card for you.