U.S. Bank Visa® Platinum

Rewards Rate

Welcome Bonus

This card comes with an 21-billing cycle 0% introductory APR window for both purchases and balance transfers.

APR

18.74-29.74% Variable APR

Pro & Cons

• 0% introductory APR for both balance transfers and purchases
• No annual fee
• Up to $600 cell phone protection reimbursement
• U.S. Bank ExtendPay lets you pay over time

• No cashback, rewards, or points
• Cash advances don’t benefit from no introductory APR
• 3% foreign transaction fee
• Good credit or better required

U.S. Bank Visa® Platinum

The U.S. Bank Visa Platinum Card is a credit card designed for people with good credit or better. This card comes with an 18-month 0% introductory APR, making it a solid option for anyone who needs it to make large purchases or transfer an existing balance from a different credit card.

Rewards Redemption

The U.S. Bank Visa Platinum Card does not offer rewards. Its biggest feature is a long 0% introductory APR period.

Terms, Rates and Fees

This credit card offers an introductory 0% annual percentage rate (APR) for the first 21 billing cycles after opening an account. After that, the APR switches to a variable rate ranging from 18.74% to 29.74%, depending on creditworthiness. There is no penalty APR.
The U.S. Bank Visa Platinum Card does not have an annual fee.

Other rates and fees include:

• 29.99% APR on cash advances
• 3% or $5 fee for balance transfers and check cash advances (whichever is higher)
• 5% or $10 fee for other cash advances (whichever is higher)
• 3% foreign transaction fee
• $41 late payment fee

Although the variable APR can be relatively high, this card's general terms and conditions are reasonable.

Maximize Benefits and Avoid Fees

• Transfer your balance in the first 60 days: You won’t have to pay a fee during this time. The transferred amount will also benefit from the 0% introductory interest rate, a solid first-year value extending into the second year.
• Cell phone protection: When using this credit card to pay your cell phone bill, you can qualify for protection. If your phone is ever stolen or damaged, you can receive up to $600 in reimbursement.

How to Apply

Here’s how to apply for the U.S. Bank’s Visa Platinum Card:

1. Go to the bank's main website and select “Personal” and “Credit Cards.” Then, select “View Credit Cards.”
2. Scroll down until you find the U.S. Bank Visa Platinum Card. You can choose “Learn More” for card details or “Apply Now” to start the online application.
3. In the application, you must provide your SSN or Individual Taxpayer Identification Number and a valid mobile number. Select “I’ll enter my own info” to continue with the application.
4. The application is separated into several pages but only takes a few minutes to complete. You’ll need some information, such as your full legal name, email address, date of birth, current address, monthly housing payment, and country of citizenship. You’ll also need to provide your annual income and primary income source. Depending on how you answer, you may need to provide more information regarding your finances.
5. After inputting your information, answer whether you want to transfer a balance to this card. If you select “Yes,” you must provide an estimated amount.
6. Next, answer whether or not you want to add an authorized user to the card. If you do, you must provide their full name, date of birth, and SSN or ITIN. If you select “No,” you can proceed with the application.
7. Finally, review your information to ensure everything looks correct. If it does, review any disclosures, submit the application, and await a response.

Qualification Requirements

What Makes This Card Appealing?

One of the most attractive features of this credit card is the long 0% introductory APR that comes with it. The other primary benefit is that it has no annual fee.