Rated 4/5 stars by our editorial team
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3.7/5.0 from 70 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
15.24% - 25.24% (Variable)
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Intro Purchase APR
0% intro APR for 20 billing cycles on Purchases
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Intro BT APR
0% intro APR for 20 billing cycles on Balance Transfers
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
- See Rates & Fees
Card Fees
Foreign Transaction Fee
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee
N/A
Additional Card Details
$0 Fraud Liability
Yes
Auto Rental Insurance
Yes
Extended Warranty Program
No
Roadside Assistance
Yes
Purchase Protection
No
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
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Concierge Service
No
Expert Reviews
From the LendingTree.com Editorial Team
The U.S. Bank Visa® Platinum Card is a no frills credit card for everyday use. This card offers an intro APR of 0% intro APR for 20 billing cycles on Purchases and 0% intro APR for 20 billing cycles on Balance Transfers. In addition, the card comes with no annual fee with an ongoing APR of 15.24% - 25.24% (Variable), based on creditworthiness.
Some protective features that come with this credit card include $0 Fraud Liability in the event of unauthorized transactions, and Fraud Protection that will detect and notify you of unusual card activity.
The online bill pay feature allows you to track your balance and make payments from anywhere with an internet connection.
The Bottom Line
The U.S. Bank Visa® Platinum Card is a simple low interest credit card with a lengthy intro APR on both purchases and balance transfers. With no annual fee this card is a great option for anyone to low interest rate.
The Good
With 0% intro APR for 20 months, this card is a excellent choice if you're looking to make a big purchase or want to save money by transferring your balance from a high interest credit card
The Not So Good
You will need Excellent/Good Credit to qualify for this offer. If you're looking for a rewards credit card, this isn't the card for you.
Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by U.S. Bank.
Consumer Reviews 70 Reviews
Offer Rating
3.7 out of 5.0
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+70 users submitted a rating without a full review
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Related Card Offers
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Intro Purchase APR
0% for 12 months on Purchases
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Intro Balance Transfer APR
0% for 21 months on Balance Transfers
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Regular Purchase & BT APR
14.49% - 24.49% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi® Diamond Preferred® Card details
See additional details for Citi® Diamond Preferred® Card
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Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for BankAmericard® credit card
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Sign-up Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
-
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 14.74% - 24.74% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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