To increase your approval odds for the U.S. Bank Cash+® Visa Signature® Card, your credit score should be 700 or higher. While credit scores are an important factor, it’s important to note that it’s not the only criteria U.S. Bank uses when evaluating your application. Your income, existing debt load, number of open accounts and payment history are also important.

The U.S. Bank Cash+® Visa Signature® Card initial spending limit ranges between $1,000 and $1,500. U.S. Bank decides your initial limit after analyzing financial aspects such as your income, credit score, and overall creditworthiness. If you’re not satisfied with your starting limit, you can request an increase after 6 months of responsible use and on time payments.

You can apply for the U.S. Bank Cash+® Visa Signature® Card using their website, by downloading their mobile app and creating an account, by calling customer services at (800) 532-4019 or by visiting a local branch with the required documentation.

New cardholders can enjoy a 0% APR period for 15 months on purchases and balance transfers, which is perfect for consolidating credit card debt or purchasing big ticket items. Once that period ends, your APR will be determined according to your creditworthiness and it’s a variable between 18.74% and 28.74%.