U.S. Bank Visa Platinum Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.24 ‐ 24.24% (0% for the first 20 months)
Balance Transfer
12.24 ‐ 24.24% (0% for the first 20 months)
Rewards
-
Signup Bonus
-


8.3/10
Informr score
The U.S. Bank Visa Platinum Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Visa Platinum Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Ascent

You should consider the U.S. Bank Visa Platinum if you’re wanting to avoid paying credit card interest on purchases and balance transfers. This card has one of the longest 0% intro APR periods on the scene, and that’s saying something in a card universe where the best credit cards are full of tasty...

- Eric Volkman, The Ascent
Finder

The U.S. Bank Visa Platinum Card has one claim to fame: Its excellent introductory interest rate. You’ll receive 0% APR for a stellar 18 months on purchases and balance transfers. This perk catapults the card to one of the top 0% APR products on the market. Typical among cards with great promotional...

- Finder
CreditCards.com

The U.S. Bank Visa Platinum card does offer an exceptionally long period to pay off a transferred balance. If you want to consolidate your debt and pay it off more quickly, the U.S. Bank Visa Platinum card can be worth applying for – especially if you can qualify for a lower APR after the promotiona...

- Kelly Dilworth, CreditCards.com
Money Crashers

This card has two interrelated use cases: financing large purchases and getting existing credit card debts under control. If you approach either case with discipline and resolve, you can dramatically increase your spending power or create some much-needed breathing room in your personal budget.

- Brian Martucci, Money Crashers
ValuePenguin

The Visa Platinum Card from U.S. Bank offers users a longer than average introductory APR period, and is competitive with the best balance transfer cards. This card also offers cell phone protection, something that gives it a leg up on competing balance transfer cards that often have little to no ad...

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 12.24% ‐ 24.24% (0% for the first 20 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.24% ‐ 24.24% (0% for the first 20 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

of each transaction in U.S. dollars.


3%

of each transaction in a Foreign Currency.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

Cell phone protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Ascent

A fine product for those looking to fund expensive buys

from The Ascent

You should consider the U.S. Bank Visa Platinum if you’re wanting to avoid paying credit card interest on purchases and balance transfers. This card has one of the longest 0% intro APR periods on the scene, and that’s saying something in a card universe where the best credit cards are full of tasty perks.

Read full review

You should consider the U.S. Bank Visa Platinum if you’re wanting to avoid paying credit card interest on purchases and balance transfers. This card has one of the longest 0% intro APR periods on the scene, and that’s saying something in a card universe where the best credit cards are full of tasty perks.

Read full review

Less

Finder

Does its one job very, very well

The U.S. Bank Visa Platinum Card has one claim to fame: Its excellent introductory interest rate. You’ll receive 0% APR for a stellar 18 months on purchases and balance transfers. This perk catapults the card to one of the top 0% APR products on the market. Typical among cards with great promo...More

The U.S. Bank Visa Platinum Card has one claim to fame: Its excellent introductory interest rate. You’ll receive 0% APR for a stellar 18 months on purchases and balance transfers. This perk catapults the card to one of the top 0% APR products on the market. Typical among cards with great promotional interest rates, you won’t find rewards or a signup bonus here.

Read full review

Less

CreditCards.com

Platinum card a good value for cardholders seeking to save money on interest

from CreditCards.com

The U.S. Bank Visa Platinum card does offer an exceptionally long period to pay off a transferred balance. If you want to consolidate your debt and pay it off more quickly, the U.S. Bank Visa Platinum card can be worth applying for – especially if you can qualify for a lower APR after the promo...More

The U.S. Bank Visa Platinum card does offer an exceptionally long period to pay off a transferred balance. If you want to consolidate your debt and pay it off more quickly, the U.S. Bank Visa Platinum card can be worth applying for – especially if you can qualify for a lower APR after the promotional period expires. U.S. Bank gives cardholders up to 18 months to transfer a balance without paying any interest.

Read full review

Less

Money Crashers

Gives new meaning to the term “bare-bones”

from Money Crashers

This card has two interrelated use cases: financing large purchases and getting existing credit card debts under control. If you approach either case with discipline and resolve, you can dramatically increase your spending power or create some much-needed breathing room in your personal budget.

Read full review

This card has two interrelated use cases: financing large purchases and getting existing credit card debts under control. If you approach either case with discipline and resolve, you can dramatically increase your spending power or create some much-needed breathing room in your personal budget.

Read full review

Less

ValuePenguin

A good balance transfer card, with some attractive bonus features

from ValuePenguin

The Visa Platinum Card from U.S. Bank offers users a longer than average introductory APR period, and is competitive with the best balance transfer cards. This card also offers cell phone protection, something that gives it a leg up on competing balance transfer cards that often have little to no additional benefits.

Read full review

The Visa Platinum Card from U.S. Bank offers users a longer than average introductory APR period, and is competitive with the best balance transfer cards. This card also offers cell phone protection, something that gives it a leg up on competing balance transfer cards that often have little to no additional benefits.

Read full review

Less

RewardExpert

A solid choice for those looking to get out of debt

from RewardExpert

Paying no interest for 18 months can really help when you’re trying to pay off a big balance. Although I typically do not recommend applying for a new line of credit while carrying debt, this card can be a good option to get your finances back on track.

Read full review

Paying no interest for 18 months can really help when you’re trying to pay off a big balance. Although I typically do not recommend applying for a new line of credit while carrying debt, this card can be a good option to get your finances back on track.

Read full review

Less

Bankrate

Good for its intro APR offer, but this is a plain vanilla card otherwise

from Bankrate

The U.S. Bank Visa Platinum Card has two features that might make a fit for some: a 0% APR offer on purchases and balance transfers for 18 billing cycles and no penalty APR for late or missed payments. This could make the card a good fit for someone who typically carries a balance and may occasio...More

The U.S. Bank Visa Platinum Card has two features that might make a fit for some: a 0% APR offer on purchases and balance transfers for 18 billing cycles and no penalty APR for late or missed payments. This could make the card a good fit for someone who typically carries a balance and may occasionally have an issue making a payment on time.

Read full review

Less

HighYa

A good fit for those who are loyal to the U.S. Bank brand

from HighYa

We believe the U.S. Bank Visa Platinum card is a good fit for someone who is a U.S. Bank customer and is looking for a simple credit card with a no-interest offer they can use for big purchases or to transfer a balance.

Read full review

We believe the U.S. Bank Visa Platinum card is a good fit for someone who is a U.S. Bank customer and is looking for a simple credit card with a no-interest offer they can use for big purchases or to transfer a balance.

Read full review

Less

Wise Bread

A simple, low interest credit card

from Wise Bread

Best for those who with good credit and need to carry a balance from month to month. Because of other benefits such as the overdraft protection, it may also be a good card for those who bank with U.S. Bank.

Read full review

Best for those who with good credit and need to carry a balance from month to month. Because of other benefits such as the overdraft protection, it may also be a good card for those who bank with U.S. Bank.

Read full review

Less

User Reviews


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