Skip to main content
Laura Sue Design

U.S. Bank retail credit application

Estimated read time: 4 minutes

The purpose of this project is to modernize the credit card application experience used by U.S. Bank's retail partners. This responsive, white label web experience is consumed by over 2,000 brands, so consistency and customization are essential drivers of this design effort.

Four mobile screens, each displaying the credit card application form, and tailored to one of four brands: BMW, Fidelity, Harley-Davidson, and REI Co-op.

The partner digital acquisition platform, adapted to BMW, Fidelity, Harley-Davidson, and REI Co-op.

Project kickoff

There are several core goals of this design effort.

  1. First, reduce the time a user spends filling out a digital application for an instant line of credit.
  2. Second, make the experience accessible.
  3. Third, provide a modern, consistent, and customizable platform for partners.

For perspective, the following image is the legacy application.

The current state of the application platform, and a text input with keyboard focus showing disappearing placeholder text and two different tooltips covering the view of the fields above and below.

The legacy credit card application form for partners. There are noticable usability and accessibility issues, like multiple tooltips covering text inputs, and error messages appearing in the wrong context, and placeholder text used as field labels.

To kickoff the project, a design sprint was held with stakeholders. I amalgamated the voted-for design ideas and created low-fidelity screens for a prototype we would test in a usability study. I collaborated with the customer experience and research teams to define the parameters for the test.

The InVision Freehand board where stakeholders sketched screens based on their individual interpretation of the How Might We statement we had come up with in the design sprint.

The InVision Freehand board used for the design sprint sketches, with roughly five stakeholder sketches of ideas.

Low-fidelity screens used in the test prototype, showing the selection of a card art option, the full credit card application, example accessibile error handling, and a modal with card reward details.


I studied hundreds of pages of business and validation rules on the legacy platform to understand the product, partner, and entry point variations. I also designed a logical framework of content mapping, working closely with the system architect.

Since the project's inception, I have created and managed over 50 wireframes for 80+ features, which include functional, interaction, and accessibility rules. I support four development teams on delivery.

An Axure wireframe for a feature where the user may optionally add an authorized user and/or balance transfer before submitting.

Visual Design

For the UI, I started by assembling a set of patterns derived from the bank's design system (Shield). The challenge was to leverage Shield, but also consider how well Shield plays with the variations of many different brands, with the aim of blending as seamlessly as possible.

I surveyed some of our partners to understand what might work well for everyone.

A selection of partner form styles. Harley-Davidson, Fidelity, and REI are three examples of partners that use a more traditional, default "boxy" feel for text inputs.

In addition to partner customization, I considered accessibility. Shield form elements contain floating labels, which have been debated in the accessibility space due to the movement of labels and smaller label text on focus.

Floating labels are also a distinct style, and I sensed that the pattern might be too outside of the box for the partners. I proposed going with a more timeless box style for inputs and dropdowns, and stakeholders weighed in that this was best for the partners.

A Sketch brainstorming session: On the left I am playing with the unaltered Shield components for a section of the application, and on the right I'm showing the adaptation of Shield to be more of a traditional look and behavior.


The instant credit line (to be used immediately in a retail location) makes up the MVP release. View the REI instant credit prototype in InVision .

The REI instant line credit card application experience, including the card art selector, the application itself, an approval screen, and the REI virtual card.