Rated 4/5 stars by our editorial team
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3.7/5.0 from 111 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
14.49% - 24.49%* (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
- 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
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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 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.
Consumer Reviews 111 Reviews
Offer Rating
3.7 out of 5.0
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+111 users submitted a rating without a full review
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Related Card Offers
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Intro Purchase APR
0% for 18 months on Purchases
-
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
-
Regular Purchase APR
13.74% - 23.74% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, 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 3% 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.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, 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
-
Sign Up Bonus
Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
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Rewards Rate
Earn unlimited 2% cash rewards on purchases
-
Extra Perks
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- 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 Wells Fargo Active Cash? Card
- Select “Apply Now” to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Active Cash℠ Card
-
0% Intro APR
0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
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Rewards
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*
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Cashback Match™
Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See Rates & Fees
See additional details for Discover it® Cash Back
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