U.S. BANK VISA® PLATINUM CARD (2024)

FAQs

Is it hard to get a US bank visa platinum card? ›

It might be possible to get the U.S. Bank Platinum Visa Card with a lower score, especially if you have a lot of income and relatively little debt. But we recommend that applicants have a credit score of 700 or higher.

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.

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.

Visa Platinum Requirements

The credit card rate you receive is based on falling within certain credit score ranges. 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.

To be eligible for an HSBC Platinum credit card, you must: Be over 18. Be an Australian citizen, permanent resident, or hold a long-term visa.

The Visa Platinum Low Rate card is a convenient option for your expenses. Benefits include: Low monthly payments: Pay as little as $20 or 2%* of your balance each month. Generous credit limits: Spend with a $500 minimum and $50,000 maximum credit allowance.

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 highest minimum credit limit on a U.S. bank credit card is $1,000 on the U.S. Bank Altitude® Go Visa Signature® Card. Maximum credit limits from US Bank can reportedly be as high as $25,000.

To apply for a Platinum Mastercard, the applicant must have a minimum gross annual income of at least PHP780,000.

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.

Why is my U.S. Bank credit limit so low? ›

Your credit limit may be low because you're just starting out with credit and haven't built up a long enough credit history to warrant a high credit limit. It's also possible that you had a low credit score or low income when you applied for your credit card, so the issuer didn't trust you with a higher limit.

You need a credit score of at least 750 to qualify for the US Bank Platinum card. However, they will also look at your income, debt, recent inquiries and more to determine approval.

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.

The American Express Platinum card's requirements are a good to excellent credit score of at least 700, a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and enough income to make monthly minimum payments.

U.S. Bank Visa® Platinum Card: Basics

Card type: 0% APR and balance transfer. APR offer: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% Variable APR. Annual fee: $0. Sign-up bonus / rewards: None.

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.