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U.S. Bank Visa® Platinum Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
-


8.4/10
Informr score
The U.S. Bank Visa® Platinum Card currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 22 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...


Bankrate
Bankrate

The U.S. Bank Visa Platinum offers cardholders dedicated to paying down a balance a solid introductory offer on both balance transfers and new purchases, although its lack of rewards limits its long-term viability.

- India Davis, Bankrate
WalletHub
WalletHub

The U.S. Bank Visa® Platinum Card is a very good credit card for saving money on interest, worthwhile for anyone with good credit or better who could use a 0% introductory APR for an extended period on new purchases or balance transfers. U.S. Bank Platinum also has a $0 annual fee.

- John S Kiernan, WalletHub
NerdWallet
NerdWallet

This card can buy you time to pay off a large purchase, and it's not a bad balance transfer option either.

- Robin Saks Frankel, Gregory Karp, NerdWallet
CardRatings.com
CardRatings.com

The U.S. Bank Visa® Platinum Card is a no-frills, no-annual-fee credit card that's good for someone looking for a solid intro 0% APR offer. While it doesn't offer many of the rewards and perks that other cards come with, the long introductory APR period makes it an excellent choice for balance trans...

- Jennifer Doss, CardRatings.com
CreditCards.com
CreditCards.com

The U.S. Bank Visa Platinum card offers cardholders with excellent credit a below average minimum interest rate and reasonable terms, including no penalty APR, and a long introductory period.

- Emily Sherman, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 28.24% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 18.24% ‐ 28.24% (Variable) (0% for the first 18 months)

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

Cash Advance Interest Rate 29.74% (Variable)

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 $41.00

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, Google Pay
Virtual Cards No
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
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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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