U.S. Bank · Approval
U.S. Bank Sensitive to new accounts
U.S. Bank is reported to decline applicants with many recent new accounts, around 5 or more in 12 months, and to favour people who already bank with it.
- Applies to
- U.S. Bank cards
- Where it comes from
- Reported by applicants
- The issuer has never stated this. It is a pattern many applicants have reported, consistent enough to plan around, but not a guarantee.
- Last verified
- September 26, 2026
How it works
- You can't get a card's bonus while you hold that same card.
- There is no published limit; treat the number as a rough guide.
