How to increase your U.S. Bank credit limit

A higher credit limit can give you peace of mind as having more borrowing power can be useful for emergencies. Unfortunately, you can’t request a specific amount when you apply for a card as your credit line is determined by factors such as your creditworthiness, annual income and debt to income ratio. But you can request a credit limit increase after using your card for at least six months.

How can I find out my U.S. Bank credit limit?

Log in to your U.S. Bank online banking account and select the credit card you want to check. You can also find this information on your credit card statement or by calling U.S. Bank customer service.

How to increase my U.S. Bank credit limit

There are four ways to increase your U.S. Bank credit line.

1. Submit your request online
2. Call the bank
3. Get an automatic credit limit increase
4. Apply for another card

Make sure you have all the required information before requesting a credit line increase. You’ll need your annual income, employment and occupation proof, a reason for the request and your monthly housing payment.

Submit your request online

U.S. Bank has simplified the online credit limit increase request. Here’s how to do it:

• Log in to your U.S. Bank online banking account.
• Find Self service under the Customer service tab.
• Click Manage your account.
• Select the Credit limit increase option.
• Follow the steps to submit your request.

Call the bank

If you prefer to request a credit limit increase by phone, here’s how to do it:

• Call U.S. Bank cardmember services using the number on the back of your card or 866-659-6801.
• Request your credit limit increase.
• Provide the required information, including your annual income, sources of income and monthly housing payments.

Get an automatic credit limit increase

In some cases, you could receive a credit limit increase by simply being a responsible cardholder. This means you need to:

• Use your card often. And if possible, use a larger portion of your credit line. But don’t max out your card.
• Pay your full balance on time. If you don’t, not only will you lower your chances of getting a credit limit increase but you will incur fees and interest and you could damage your credit score.

Apply for another card

In addition to increasing your credit line, getting a new credit card may come with additional perks, such as a signup bonus, rewards program or a 0% intro APR period.

Compare cards with higher credit limits

All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.

Sort by:

Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	See offer View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...

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How is my U.S. Bank credit limit determined?

U.S. Bank doesn’t provide details on how they determine your credit limit. However, all credit card providers weigh in the following:

• Annual income. High credit limit often comes with a high annual income.
• Employment. A steady job and a steady income show you can be a responsible cardholder.
• Creditworthiness. A clean credit history is another important factor as it shows you can pay off your debt.
• Utilization rate. Low utilization rate is another factor that shows you can easily manage debt.
• The type of credit card you apply for. Some cards come with a high credit limit off the bat, such as the Visa Signature or Mastercard World Elite.

Bottom line

If your current credit line doesn’t satisfy your needs, request a credit limit increase either online or by phone. However, only make your request once you’ve used your card responsibly for at least six months to reduce chances of rejection.

As an alternative, you can also apply for a new credit card and get a new line of credit plus additional perks and features.

Frequently asked questions

• Can requesting a credit limit increase affect my credit score?

  Yes. U.S. Bank may do a hard pull on your credit when you submit your credit limit request. This will cause your credit score to dip by a few points.

  But if you are approved for a credit line increase, getting a higher credit line can lower your utilization rate, thus improve your credit score.

• When should I request a credit limit increase?

  The timing is often subjective. But as a general rule, request an increase when you:

  • Meet the eligibility requirements.
  • Have a higher credit score than when you applied for the card.
  • Have a higher income than when you applied for the card.
  • Plan to close another card and you don’t want your utilization rate to increase.

• What is a reasonable credit limit increase amount?

  A credit limit increase between 10% and 25% is considered reasonable. But this largely depends on your current credit line. If you have a low credit line of $500 or $1,000, you can often double the amount.