The U.S. Bank Credit Cards is a personal credit card from U.S. Bank Credit Cards. Application typically pulls a hard report from TransUnion. The annual fee is Depends on card (some $0, others have fees). Approval typically requires a credit score of 700+ or higher. Rewards: Many card-specific bonus rates, perks, benefits. This product reports activity to your personal credit report. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444. Foreign Txn Fee: Varies by card. Pre-qualification available (soft pull)