Easiest U.S. Bank Card to Get Approved For in 2024 (2024)

FAQs

Easiest U.S. Bank Card to Get Approved For in 2024? ›

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.

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.

The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.

You need a FICO® Score of 670 or higher for most U.S. Bank credit cards, but its secured credit cards don't have a minimum credit score.

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.

Chase Freedom Rise is a card that may be available to people new to credit. Visit your local Chase branch to apply. You can also use Chase Credit Journey^® as a resource for free credit score monitoring and receive a free, personalized score improvement plan provided by Experian™.

If you're approved for an American Express Card, and you're eligible, you'll be invited to get your Card number instantly.

Best $1,000 Limit Cards

When considering the best guaranteed approval credit cards with $1,000 limits for bad credit no deposit, options like the Fortiva® Mastercard® Credit Card, Aspire® Cash Back Reward Card, Surge® Platinum Mastercard®, Reflex® Platinum Mastercard®, and OpenSky® Secured Visa® Credit Card stand out.

Does U.S. Bank give instant approval? ›

Instant approval always is possible when applying for a U.S. Bank credit card online, though getting approved for an account immediately is never guaranteed.

If you are a beginner with little to no credit, you are more likely to be approved for a no-annual-fee credit card, such as the Blue Cash Everyday® Card from American Express (see rates and fees).

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

Yes, the U.S. Bank Visa® Platinum Card charges a 3% foreign transaction fee. Is it hard to get the U.S. Bank Visa® Platinum Card? The U.S. Bank Visa® Platinum Card is designed for applicants with good to excellent credit, meaning a credit score of at least 670.

It is hard to get most U.S. Bank credit cards because they require a good or excellent credit score of 700-750+ for approval. Some U.S. Bank credit cards are much easier to get, however – particularly the U.S. Bank Secured Visa® Card, which accepts people with bad credit and has a $0 annual fee as well as good rewards.

A credit score of 500 or less gives you plenty of room for growth when building your credit, and it won't exclude you from qualifying for a good credit card. Plenty of credit cards for a 500 credit score or lower offer credit-building tools to help you achieve a higher score; others even offer rewards.

Most Widely Accepted in the U.S.: Visa and Mastercard are both accepted at almost 11 million U.S. merchant locations. Least Widely Accepted Internationally: American Express (160+ countries and territories); Discover (200+). Least Widely Accepted in the U.S.: American Express and Discover (10.6 million locations).