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

The credit card offerings of U.S. Bank cater primarily to consumers who possess a strong credit standing, reflected in a FICO® Score of 670 or above. This benchmark signifies a history of responsible financial management and a low risk of default.

For individuals who may not yet meet this credit score threshold, U.S. Bank recognizes the importance of access to credit as a means of building or rebuilding financial health. As such, they offer an alternative in the form of secured credit cards.

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Secured credit cards from U.S. Bank do not impose a minimum credit score requirement, making them accessible to a wider range of applicants. This feature allows individuals with less-than-perfect credit to take the first step towards improving their financial standing.

The security aspect of these cards lies in the requirement for a deposit, which acts as collateral for the line of credit extended. This deposit typically equals the credit limit of the card, providing assurance to the issuer and fostering responsible usage among cardholders.