U.S. BANK VISA® PLATINUM CARD (2024)

FAQs

Is it hard to get approved for U.S. Bank Platinum credit card? ›

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.

What is the credit limit for the U.S. Bank Visa® Platinum Card? Anecdotal data from cardholders suggests that credit limits for the U.S. Bank Visa® Platinum Card range from $500 up to $20,000.

What credit score do I need for the U.S Bank Platinum? U.S. Bank recommends having a good to excellent credit score for feasible approval, which will range from 670 to 850 on the FICO scale.

Key takeaways. The U.S. Bank Visa Platinum Card is exceptional for paying down high-interest debt, offering an attractive 0 percent introductory APR rate for 21 billing cycles on qualifying balance transfers and new purchases (then a 18.74 percent to 29.74 percent variable APR) .

Visa Platinum Requirements

Applicants with a credit score of at least 760 or higher are more likely to get the lowest rate (subject to change). The minimum credit line is $1,000, and you can ask an SCCU Team Member for an increase. You're also welcome to request more product information by filling out this form here.

U.S. BANK SECURED VISA ^® CARD

It's easy to enroll, easy to use and free to U.S. Bank customers.

Credit lines from $500 to $25,000. No annual fee, balance transfer fees, or cash advance fees.

Key takeaways. The U.S. Bank Visa® Platinum Card could be worth getting if you're looking to pay down existing credit card debt or if you have a large purchase planned. The U.S. Bank Visa Platinum is not worth getting if you're looking for a card with ongoing rewards, a welcome bonus or no foreign transaction fees.

Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity. * This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

You may be able to borrow up to $50,000 ($25,000 if you are not a U.S. Bank customer) with fixed interest rates, flexible loan terms and no annual fees. Personal line of credit: The annual percentage rate (APR) is variable and is based upon an index plus a margin.

What is the minimum credit score for a U.S. Bank credit card? ›

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.

Most Amex Platinum cardholders have a credit score of 670 or better, along with relatively high income. But your score alone does not fully decide whether or not you'll be approved. If you have a strong credit score, a few years of credit history, and a decent annual income, you stand a good chance of being approved.

American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express. Terms apply. You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.

Most U.S. Bank credit cards are intended for consumers with good credit, which is a FICO® Score of 670 or higher. If your credit score isn't there yet, U.S. Bank also offers secured credit cards that don't have a minimum credit score requirement.

The U.S. Bank Executive Platinum card provides an extensive package of services and benefits exclusively for executives. The U.S. Bank Executive Platinum Card includes an optional complimentary membership to the FlexPerks Corporate Rewards program, offering some of the richest rewards in the industry.

To be eligible for the Amex Platinum Card^® you'll typically need a good to excellent credit score. This makes it one of the more difficult cards to be approved for.