Which U.S. Bank Credit Card is Easiest to Get in 2025?

Getting approved for a credit card can be challenging, especially if you have limited credit history or a low credit score. However, some credit cards are designed specifically for people who are new to credit or rebuilding their credit. These “easy-to-get” credit cards make approval more likely by requiring little or no credit history.

In this article, we’ll look at which U.S. Bank credit cards are the easiest to get approved for in 2025 based on your credit situation. We’ll also provide tips on how to boost your approval odds.

Easiest U.S. Bank Credit Cards for Bad Credit

If you have bad credit (credit scores below 580), your options for unsecured credit cards will be very limited. However, U.S. Bank does offer one secured card that can help you start building or rebuilding credit even with bad credit.

U.S. Bank Secured Visa® Card

The U.S. Bank Secured Visa® Card requires a refundable security deposit of $300 to $5,000 which becomes your credit limit. It has no annual fee and reports your payment history to all three major credit bureaus each month.

To get approved, you’ll need a steady source of income to make the minimum monthly payments But no specific credit score is required After making your security deposit, you can use this card just like an unsecured card to make purchases while improving your credit.

This card doesn’t offer rewards, but it provides access to your free credit score through U.S. Bank’s online banking. Monitoring your score is important when trying to improve it.

There are also benefits like protection against fraud, choosing when your payment is due, and the chance that your credit limit will go up automatically. After 1 year of responsible use, U. S. The bank could return your security deposit and change your account to an unsecured card.

Easiest U.S. Bank Credit Cards for Limited Credit

If you have less than three years of credit history, U S. Bank has a few unsecured credit cards that may approve you without needing a full credit report.

U.S. Bank Altitude® Go Visa® Secured Card

Like the regular Secured Visa® Card, the Altitude® Go version requires an opening deposit of $300 – $5,000. However, it takes security deposits to the next level by offering the ability to earn rewards.

You’ll earn:

• 4X points on dining and takeout (on first $2,000 per quarter)
• 2X points at grocery stores and gas stations
• 2X points on streaming services
• 1X point per $1 on other purchases

There’s also a $15 annual statement credit for streaming services.

This card has no annual fee. After making your deposit, you can start earning rewards on purchases right away while building your credit. Responsible card use could lead to an unsecured upgrade after 1 year.

U.S. Bank Cash+® Visa® Secured Card

The Cash+ Secured Card is very similar to the Altitude Go version. The main differences are earning unlimited 1.5% cash back on every purchase and getting to choose 2 flexible 5% cash back categories each quarter (on your first $2,000 in combined purchases).

There is no annual fee and the security deposit is at least $300. This card might be a good choice if you want to get the most cash back rewards while also working to improve your credit.

Easiest U.S. Bank Cards for Fair Credit

You can get more unsecured U.S. loans if your credit score is fair, which is between 580 and 669. S. Bank cards beyond only secured options. Just keep in mind that you might get lower credit limits at first until you show that you can responsibly use credit.

U.S. Bank Altitude® Go Visa Signature® Card

Although also available as a secured card, the unsecured Altitude Go card is easier to get approved for than most other rewards cards from major issuers. U.S. Bank advertises this card for those with “average” credit.

It has the same earning structure as the secured version:

• 4X points on dining and takeout (on first $2,000 per quarter)
• 2X points at grocery stores and gas stations
• 2X points on streaming services
• 1X point per $1 on other purchases

There’s a 20,000 point signup bonus after spending $1,000 in purchases within the first 90 days. This card has no annual fee.

Capital One QuicksilverOne Cash Rewards Credit Card

The QuicksilverOne card from Capital One is another option for those with average credit. It earns unlimited 1.5% cash back on every purchase with no bonus categories to track.

New cardholders can also enjoy a 0% intro APR on purchases for 15 months. After that, the variable APR is 29.24% (as of 06/28/2022).

Keep in mind this card does have a $39 annual fee. But it can be worthwhile if you maximize the flat-rate cash back rewards.

Easiest U.S. Bank Student Credit Cards

College students who are new to credit can qualify for student cards with just a limited credit history. Income requirements are also low for student cards.

Discover it® Student Cash Back

Discover offers a popular student version of its flagship cash back card. You can earn 5% cash back in rotating bonus categories each quarter on up to $1,500 in purchases when activating them. All other purchases earn 1% cash back.

In the first year, Discover will match all the cash back you earn – effectively doubling your rewards. This card also provides a 0% intro APR on purchases for 6 months.

Capital One Savor Student Cash Rewards Credit Card

The Savor Student card from Capital One earns 3% cash back on dining, groceries, and streaming services. You’ll get 1% back on other purchases.

New cardholders can earn a $100 bonus after spending $300 on purchases within 3 months of account opening. There’s also an intro 0% APR for 15 months then 14.24%-24.24% variable APR.

This card has no annual fee. The rewards categories match up well with typical student spending.

Tips to Boost Your Approval Odds

Here are some tips to increase the likelihood of getting approved for a U.S. Bank credit card:

• Check your credit report – Make sure there are no errors negatively impacting your scores before applying. You can get a free credit report from AnnualCreditReport.com.

• Lower credit utilization – Pay down balances on other cards to get your utilization below 30% of the credit limit. This can provide an immediate boost to your scores.

• Become a U.S. Bank customer – Open a checking or savings account with direct deposit. Existing banking relationships improve approval chances.

• Apply for a secured card – Secured cards are designed for people with poor or limited credit. The deposit gives the issuer confidence in lending to you.

• Get a co-signer – If you’re unable to qualify on your own, add an authorized user with good credit to strengthen the application.

• Provide income and assets – Income from your job, investments, retirement, or other sources proves you can make payments. Assets like real estate can also help.

• Build credit history – Before applying, consider becoming an authorized user on someone else’s credit card if possible. Their positive history will be reflected on your credit reports.

The Bottom Line

The U.S. Bank credit cards mentioned here are some of the easiest to get approved for if you have bad credit or limited credit history. Secured cards require an upfront security deposit but often have guaranteed approval regardless of your credit score.

Student cards and cards for fair credit can help you qualify for an unsecured card to start building credit. Improving your credit score over time will open the door for premium travel rewards cards and better interest rates.