Issuer application rules
U.S. Bank Credit Card Rules
U.S. Bank strongly prefers existing customers and is conservative with approvals for new applicants. A banking relationship significantly improves approval odds.
Check before applying
Application rules
U.S. Bank heavily favors existing banking customers. If you do not have a checking, savings, or existing credit account with US Bank, approval odds are significantly lower — especially for premium cards like the Altitude Reserve.
- Affected cards
- Altitude Reserve, Altitude Connect, Cash+
- What to review
- Open a checking or savings account with U.S. Bank and maintain it for several months before applying for their premium cards.
You cannot receive a welcome bonus on a U.S. Bank card if you have received a bonus on the same card within the past 12 months.
- Affected cards
- All U.S. Bank cards
- What to review
- Wait at least 12 months before reapplying for the same U.S. Bank card.
U.S. Bank typically limits new cardholders to 1 new card per 6 months, and existing cardholders to 2 new cards per year.
- Affected cards
- All U.S. Bank cards
- What to review
- Space applications at least 6 months apart for the best approval odds.
U.S. Bank Cards We Track
SKYPASS Select Visa Signature Card
U.S. Bank Altitude Reserve Visa Infinite
U.S. Bank Business Altitude Power
SKYPASS Visa Signature Business Card
SKYPASS Visa Signature Card
U.S Bank Business Leverage
U.S. BANK SHOPPER CASH REWARDS
U.S. Bank Business Altitude Connect
U.S. Bank Triple Cash Rewards Business
U.S. BANK SHIELD
U.S. BANK ALTITUDE GO
Amazon Business Card
U.S. BANK CASH+
Amazon Business Prime Card
U.S. Bank Altitude Connect Visa Signature
SKYPASS SkyBlue Visa Card
State Farm Premier Cash Rewards Visa Signature Card
State Farm Business Cash Rewards Visa Signature Card
U.S. Bank Smartly
Frequently Asked Questions
- What is the U.S. Bank Customer preferred rule?
- U.S. Bank heavily favors existing banking customers. If you do not have a checking, savings, or existing credit account with US Bank, approval odds are significantly lower — especially for premium cards like the Altitude Reserve.
- How many U.S. Bank credit cards can I have at once?
- U.S. Bank does not publish a hard limit on the number of cards you can hold, but U.S. Bank strongly prefers existing customers and is conservative with approvals for new applicants. A banking relationship significantly improves approval odds.
- Do U.S. Bank rules apply to business cards?
- U.S. Bank's rules vary by card type. See the rules above for which cards each restriction covers.
- Will U.S. Bank do a hard pull when I apply?
- U.S. Bank typically performs a single hard inquiry when you apply for a credit card. The bureau pulled varies by region and applicant.