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U.S. Bank Visa® Platinum Card

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on U.S. Bank's secure site

U.S. Bank Visa® Platinum Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 91 Offer Ratings
Over the Past 60 Days!

(91) Over the Past 60 Days!

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on U.S. Bank's secure site


  • Regular Purchase APR

    14.49% - 24.49%* (Variable)

  • Intro Purchase APR

    0% intro APR for 20 billing cycles on Purchases*

  • Intro BT APR

    0% intro APR for 20 billing cycles on Balance Transfers*

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0*

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
  • 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

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5

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 14.49% - 24.49%* (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.

Expert Reviews of the U.S. Bank Visa® Platinum Card

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5


Consumer Reviews 91 Reviews

Offer Rating

3.7 out of 5.0

5 Star
 
 
(20)
4 Star
 
 
(38)
3 Star
 
 
(25)
2 Star
 
 
(6)
1 Star
 
 
(2)

Your Rating

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