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U.S. Bank Visa® Platinum

Low Introductory APR

Rewards Value
star 3
Features
3
APR
3
Rewards Flexibility
2
Issuer Customer Experience
3

Rewards Rate

0%

introductory APR for 18 months on purchases and balance transfers made within 60 days of opening an account

Welcome Bonus

This card comes with an 18-month 0% introductory APR window for both purchases and balance transfers.

APR

or 19.74-29.74% Variable APR

Pro & Cons

  • pros icon 0% introductory APR for both balance transfers and purchases
  • pros icon No annual fee
  • pros icon Up to $600 cell phone protection reimbursement
  • pros icon U.S. Bank ExtendPay lets you pay over time
  • cons icon No cashback, rewards, or points
  • cons icon Cash advances don’t benefit from no introductory APR
  • cons icon 3% foreign transaction fee
  • cons icon 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

Capital One Spark Cash Select

Capital One Spark Cash Select
6
star star star star star

Good for:

Flat-Rate Cash Back

See your approvle odds
$500

after spending at least $4,500 on purchases within 3 months of opening an account (welcome bonus may fluctuate)

1.5%

unlimited cash back on business-related purchases

5%

unlimited cash back on rental cars and hotels booked through Capital One Travel

Rewards

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card
6
star star star star star

Good for:

Multiple rewards options

See your approvle odds
4x

points for dining, takeout, and restaurant delivery

2x

points for grocery store shopping, grocery delivery, gas stations, EV charging states, and streaming services

1x

point on every other eligible purchase

0%

introductory APR for 12 months

Cash back

Capital One Quicksilver Secured Cash Rewards

Capital One Quicksilver Secured Cash Rewards
6
star star star star star

Good for:

Flat-Rate Cash Back

See your approvle odds
5%

cash back when using Capital One Travel to book a rental car or hotel

1.5%

cash back on everyday purchases

Rewards Redemption

The U.S. Bank Visa Platinum Card does not come with any rewards. The biggest feature to this card is that it comes with a long 0% introductory APR period.

Terms, Rates and Fees

This credit card comes with no introductory annual percentage rate (APR) for the first 18 months of opening an account. After that, the APR switches to a variable rate ranging from 19.74% to 29.74%, depending on creditworthiness. There is no penalty APR.
The U.S. Bank Visa Platinum Card does come with other fees, however. This includes:

  • 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, the general terms and conditions of this card are reasonable.

Maximize Benefits and Avoid Fees

  • Transfer your balance in the first 60 days. During this time, you won’t have to pay a fee. The transferred amount will also benefit from the 0% introductory interest rate, which is a solid first-year value that extends into the second year.
  • Pay your cell phone bill. By using this credit card for your cell phone bill, you can receive up to $600 as a reimbursement. This is another ongoing value of this card.

How to Apply

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

  • Go to the bank's main website and select “Personal” followed by “Credit Cards.” Then, select “View Credit Cards.”
  • 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.
  • In the application, you’ll need to 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.
  • The application is separated into several pages, but it 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 your 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.
  • After inputting your information, answer whether or not you want to transfer a balance onto this card. If you select “Yes,” you’ll need to provide an estimated amount.
  • Next, answer whether or not you want to add an authorized user to the card. If you do, you’ll need to provide their full name, date of birth, and SSN or ITIN. If you select “No,” you can move on with the application.
  • Finally, review your information to ensure everything looks correct. If it does, review any disclosures, submit the application, and wait for a response.

Qualification Requirements

Requirement

Description

Credit score & credit history

670+

Income

Verifiable income required

Job-status

Employment verification required

Citizenship/residency

US citizen or permanent resident

Age

18+

Required documents

N/A

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.