U.S. Bank Visa® Platinum Card
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Visa
- Intro purchase APR
- 0% for 21 months from account opening date
At a glance
The U.S. Bank Visa Platinum Card is designed to compete directly with BT heavyweights like the Chase Slate Edge and the Citi Simplicity® Card. The card comes with an array of 0% APR offers and more.
Our review of the U.S. Bank Visa® Platinum Card
The U.S. Bank Visa Platinum Card offers one of the longest 0% APR periods on the market, making it a top choice for those looking to save money and manage their finances effectively. With no annual fee, this card is a cost-effective solution for a variety of individuals.
Who Can Benefit Most from the U.S. Bank Visa® Platinum Credit Card?
The U.S. Bank Visa® Platinum Credit Card is ideal for:
- Individuals working to pay off existing credit card balances
- Those new to credit looking for a simple card option
- Individuals seeking a low introductory APR offer
Can You Pre-Qualify Before Applying?
Unfortunately, U.S. Bank does not offer an online pre-qualification portal. Potential applicants must wait for a pre-approval offer in the mail to proceed with the application process.
Credit Needed
The U.S. Bank Visa Platinum Card is designed for users with good to excellent credit scores (680 to 850).
Application Process
The application process is straightforward, requiring personal information such as name, address, and Social Security Number. Approval typically results in receiving the card within 7-10 business days.
Introductory APR Benefits
The U.S. Bank Platinum Visa Card offers:
- 0% APR for 21 Months on Purchases
- 0% APR for 21 Months on Balance Transfers
The card includes benefits such as NortonLifeLock ID Navigator, online and mobile access, and Visa Platinum® Benefits like Zero Fraud Liability and Emergency Card Replacement.
Comparison
Compare the U.S. Bank Platinum Visa with other leading 0% APR credit cards to see how it stacks up in terms of introductory offers.
What We Like About the Card
The lengthy introductory APR period and cell phone protection are highlighted as key benefits of the U.S. Bank Visa® Platinum Card.
Things to Consider
While the card lacks a rewards system, it excels in offering a great rate for balance transfers and purchases.
Should You Apply for the U.S. Bank Visa Platinum Card?
With its competitive introductory APR and no annual fee, the U.S. Bank Visa Platinum Card is a top choice for those looking to manage their finances effectively. Consider this card for its benefits and features that cater to a range of financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Get a 0% introductory APR on purchases and balance transfers for 21 billing cycles
- Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
- Detects and notifies you of any unusual card activity to help prevent fraud
- Get your TransUnion® Credit Score at no cost
Who this card may suit
- You want an excellent 0% intro APR for 21 months to get a hold of your personal finances
- You don’t want to pay an annual fee
- You don’t mind a card that isn’t a rewards credit card
- You're planning on making a significant purchase and want to pay off the balance over time
- You want to pay off existing credit card debt without interest
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 21 months from account opening date |
| Regular Purchase APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 21 months on balances transferred within 60 days from account opening |
| Balance Transfer APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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U.S. Bank Visa® Platinum Card
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