Regular Contributor
Posts: 129
Registered: ‎10-12-2012

Need more info about US Bank Cash+ before applying. Help plz

Hi all,


I'm tempting to apply for the US Bank Cash+ as joined account with my husband.

My scores are about 660 and his are in the 700-720.


My overall credit limit is about 9K, and his is 24K Our combined income is about $150K.


Do we have a chance at this card?



FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Epic Contributor
Posts: 22,092
Registered: ‎10-23-2007

Re: Need more info about US Bank Cash+ before applying. Help plz

Id be above 680 before applying. it use to be the minimum credit score before they even begin to review further credit stuff... been about 3-4 yeas since I heard if this is still  thing.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012

Re: Need more info about US Bank Cash+ before applying. Help plz

It seems like a shot in the dark, but they will instead offer you a regular cash rewards card. After 6 months you can have the limit raised to $5,000. Then once it is over $5,000 you can request a change to the Cash+. Lengthy process.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%

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