What credit score do you need for a U.S. Bank Visa Platinum card?

Asked by: Gunner Simonis  |  Last update: September 23, 2022
Score: 4.6/5 (14 votes)

To have the highest chance for approval for the U.S. Bank Visa® Platinum Card, you should have a FICO® Score of 670 or higher.

What credit score do you need for U.S. Bank Platinum?

The U.S. Bank Visa® Platinum Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the U.S. Bank Platinum.

What credit score is needed for U.S. Bank Visa?

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. U.S. Bank has a large selection of credit cards. The recommended credit score depends on the card.

What is the minimum credit limit for U.S. Bank credit card?

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.

Is Visa Platinum hard to get?

You'll need at least good credit to qualify for the U.S. Bank Visa® Platinum Card. Generally speaking, “good credit” is defined as a score of at least 690. But a credit score alone isn't enough to qualify for any credit card. Issuers take into account your income, existing debts and other information.

U.S. Bank Visa Platinum Card (Overview)

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What is the limit on U.S. Bank Platinum card?

If you pay your cellphone bill with your U.S. Bank Visa® Platinum Card, then your phone will be insured against damage or theft for up to $600. The limit is two claims of up to $1,200 total per 12-month period.

What is a U.S. Bank Platinum card?

The U.S. Bank Visa® Platinum Card offers a 0% intro APR on purchases and balance transfers for 20 billing cycles, followed by a variable APR of 15.99% - 25.99%. A balance transfer fee of either 3% or $5 applies, whichever is greater.

Which U.S. Bank credit card is easiest to get?

The U.S. Bank Secured Visa Card is the easiest U.S. Bank credit card to get since it is a secured credit card. This means that you'll need to fund your account with $300-$5,000, which will be held as a security deposit in a separate U.S. Bank secured savings account.

Is it hard to get a credit card through U.S. Bank?

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. The best U.S. Bank credit cards require a 750 credit score or higher for good approval odds.

What credit bureau does U.S. Bank pull from?

U.S. Bank is most likely to use your TransUnion credit report when considering your credit card application for approval.

Does U.S. Bank do hard pull?

U.S. Bank will likely do a hard pull for a credit limit increase if the cardholder requests the increase. You can request a higher limit online or by calling (800) 285-8585, and U.S. Bank must have your permission before they conduct a hard pull on your credit report.

Does U.S. Bank have pre approval?

U.S. Bank has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. U.S. Bank does not have an online tool that interested consumers can use to check their pre-approval status.

Is 700 a good credit score to buy a house?

700 is a good score — and with a little effort, you should be able to find a mortgage lender who will give you a competitive rate and get you into the home you want.

Is Visa Platinum a good card?

The Visa Platinum is the second tier of the four Visa credit card types. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Most Visa Platinum cards require a credit score in the 600s. You might be able to qualify for some with a score in the very high 500s.

Does U.S. Bank automatically increase credit limit?

U.S. Bank and other providers may review your account after six months and automatically increase your credit limit. If you don't receive an automatic increase, you can request a credit limit increase online or by phone. You can also decrease your credit limit by calling U.S. Bank's customer service phone number.

What is the highest credit limit for U.S. Bank?

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.

Is U.S. Bank Cash Plus hard to get?

After the change in 2021.2, cash rewards will expire after 36 months, therefore you have to pay attention to this card sometime to avoid losing your cashback. US Bank credit cards are very hard to get approved, so we do not recommend this card to beginners.

Does U.S. Bank check credit for checking account?

Banks don't look at your credit score when you open a checking and/or savings account, but they may screen your banking history.

How much is Visa Platinum card?

There's no annual fee on the U.S. Bank Visa Platinum either, so you can save on interest without an annual investment. Just keep in mind that a 3% balance transfer fee applies with a minimum of $5 if you choose to transfer balances from other cards to your new account.

What is better credit card gold or platinum?

Platinum cards give higher minimum credit limits than gold cards, which can be a bonus if you spend a lot on credit and can responsibly manage your credit card payments. Platinum cards charge higher annual fees than gold cards offered by the same provider.

How many U.S. Bank credit cards can you have?

There is at least one data point of US Bank merging multiple inquiries in the same day into a single hard pull. That being said, US Bank is quite difficult to get approved with. There is no hard limit to the amount of US Bank credit cards you can hold.

Does applying for a credit card hurt your credit?

But getting denied doesn't directly hurt your credit scores. Instead, applying may lower your credit scores—usually by just a few points, according to credit-scoring company FICO®—because applying for a credit card will trigger a hard inquiry.

What credit limit can I get with a 750 credit score?

The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren't solely determined by your credit score.

How much can I borrow with a 750 credit score?

For example, while a lender may permit you to borrow up to 95% of the property value if you have a 750 credit score, they may restrict you to no more than 80% of the property value if your credit score is 650.