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.
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.
What counts, and what doesn't
Applies to: U.S. Bank cards
- 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.
Sources
- Frequent Miler: Complete guide to credit card application rules by bank (Feb 2026)
- Thrifty Traveler: Credit card application rules, bank by bank (Jan 2026)
Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will. Last verified September 26, 2026.