Bank offers app for instant credit check

U.S. Bancorp, parent company of U.S. Bank, is making impulse buying a little easier with the release of its new iPhone app that lets its retail partners offer instant credit to their customers.

Currently the app is being piloted with Recreational Equipment Inc., an outdoor gear and apparel retailer, and should be introduced with other retailers later this year, the bank said. REI operates 127 stores nationwide, including stores in Las Vegas, Henderson and Reno.

The app allows users to apply for a U.S. Bank co-branded credit card and, if they are approved, receive credit for immediate in-store purchases.

"The new U.S. Bank Card app provides our existing credit card partners, such as REI, the opportunity to enhance their relationship with their customers by moving the card-opening process from the checkout lane to the front of the store, using mobile technology," said Dominic Venturo chief innovation officer for U.S. Bank Payment Services division.

Additionally, the app lets users view the account's balance, see recent transaction information and make a payment to the account. The REI Visa App is available from the iTunes App Store.

Venturo said the app gives consumers the convenience of instant access as well as the "ease and security of managing their account through their mobile device."

U.S. Bank said it anticipates making the app available for Android users soon.

U.S. Bank also offers partner credit cards for such retailers as Kroger, which operates Food4Less and Smith's stores, Gymboree, Cache, Fred Meyer, Sports Chalet, Ace Hardware and Harley Davidson, along with a number of airline partners.

Contact reporter Chris Sieroty at or 702-477-3893.