7/5/2023
In U.S. Bank's credit card catalog you will find a wide variety, and the most valued ones include several advantages, such as welcome bonuses, zero annuity and the first months interest-free for purchases and balance transfers.
Although this institution wants to attract different customer profiles, these products require a good to excellent score (670+). If you want to know how to apply for a credit card at US Bank and its requirements, we will tell you.
You may be interested in: How to apply for a Wells Fargo credit card?
U.S. Bank Credit Card Requirements
Applying for a credit card at U.S. Bank is not much different than applying at other major banks. The usual requirements include:
- Personal information.
- Financial information.
- Citizenship or permanent residency.
- Documents proving your identity, residency and income.
- Credit history, current assets, outstanding debts and other liabilities.
We remind you that this financial institution offers secured credit cards, which you can request with a credit score of 300 and above. These banking instruments are indicated to start your credit history or recover/build your score.
How to apply for a credit card at U.S. Bank?
Whether you are familiar with the process or it is your first credit card, familiarizing yourself with applying for a plastic card is helpful for future requests and the requirements you may be asked to meet. As for how to apply for a credit card at U.S. Bank, here are the 2 alternatives.
Online Application
This process starts by logging into online banking with your user and password. If you are not a customer yet, you must first open an account with U.S. Bank. Then you must follow a few simple steps:
- Look for the Credit Cards page to compare the credit cards that are available.
- Once you choose, click on the product you want and press the Apply now button.
Application by app
In this case, the recommendation is that you download the free U.S. Bank app, for Android and Apple devices. After that, there are 3 simple steps left:
- Select Explore & apply at the bottom of the main menu.
- Review the credit cards there, choose the one of your reference and then hit Apply now.
- Fill out the application and when you finish your data will be reviewed for approval. The decision takes 7 to 10 business days.
Best U.S. Bank Credit Cards
We would like to complete the above with a selection of U.S. Bank credit cards for you to consider when choosing the most convenient one:
Cash+ Visa Signature Card
This plastic is indicated for those who are looking for cash back or reimbursement every time they use it. It has no annuity, includes zero liability coverage and you have the convenience of customizing your refunds.
- APR: 19.49%
- Annuity: $ 0
- Credit limit: Ask
When you spend $2,000 on eligible purchases, you get 5% cashback on 2 selected categories (1% after). Plus, you get 2% cashback on 1 category daily and 1% on all eligible net purchases.
It is recommended for:
- Transferring balances.
- Those who have a lot of daily expenses.
- Receiving rewards without paying an annuity.
- Those who want flexible bonus categories.
Visa Platinum Card
This credit card offers you an introductory interest rate of 0% for purchases and balance transfers that lasts for 20 billing cycles.
- APR: 19.49%
- Annuity: $ 0
- Credit limit: Ask
It has no annuity and after the grace period the interest rate is variable and depends on your credit score. In addition, as a cardholder you have access to purchase protection and account management benefits.
When you pay your cell phone bill with this credit card, you get insurance for your equipment in case of accidents. Among other notable benefits, you get autopay, fraud protection, free TransUnion score review and a flexible payment date.
Secured Visa Card
This credit card is ideal for those looking to start or build their credit score. It has a variable interest rate, 24/7 access to your account through multiple channels, notifications of unusual activity and no annual fee.
- APR: Consultar
- Annuity: $ 0
- Credit limit: Ask
In addition to functioning like a regular credit card, it includes some common fees:
- Balance transfer: $5 or 3% of the amount (whichever is greater).
- Foreign transaction: 2% for ATM withdrawal or purchase in USD. 3% for ATM withdrawal or foreign currency transaction.
Common Advantages of U.S. Bank Cards
As with other well-known banking institutions, U.S. Bank credit cards have several benefits that are common to all of them. Whether you're looking to earn points, travel insurance or exclusive tours, these banking products come with:
- Fraud protection.
- Free VantageScore review.
- Online reporting with expense analysis.
- FlexTools budget management tools.
- Online or app access to your account.
- 24/7 customer service, 365 days a year in the United States.
Applying for a credit card at U.S. Bank is easy when you meet the requirements. If you are interested in other alternatives like these, at Busconomico you can review most of them in one place.
Español: ¿Cómo aplicar para una tarjeta de crédito del U.S. Bank?