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U.S. Bank Visa® Platinum Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 24.49% (Variable) (0% for the first 20 months)
Balance Transfer
14.49% ‐ 24.49% (Variable) (0% for the first 20 months)
Signup Bonus

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 16 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...

Money Crashers

The U.S. Bank Visa® Platinum Card gives new meaning to the term “bare-bones.” 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...

- Brian Martucci, Money Crashers

The combination of a low APR and introductory offer make the U.S. Bank Visa Platinum card a good value for cardholders seeking to save money on interest.

- Emily Sherman,
Credit Card Insider

The U.S. Bank Visa® Platinum Card is a strong contender if you need to take advantage of a balance transfer or want to avoid paying interest on a new purchase. By taking advantage of a balance transfer, or using this card for any large purchases, whether they be appliances or vacations or anything e...

- Evan Zimmer, Credit Card Insider

The U.S Bank Visa Platinum Card could be a great option if you plan to use it to fund large purchases or transfer existing credit card debt and pay it off over time. The card comes with one of the longest 0% intro APR offers on the market. However, it’s probably not the best option if you’re looking...

- Kevin Payne, FinanceBuzz

The U.S. Bank Visa Platinum is a winner on multiple fronts; it’s our pick for both the best balance transfer credit card and the best 0% interest card. Compared to other 0% introductory interest offers on new purchases and balance transfers, this card’s extended 20-billing-cycle no-interest intro pe...

- Kendall Little, NextAdvisor


Interest Rates
Regular APR Interest Rate 14.49% ‐ 24.49% (Variable) (0% for the first 20 months)

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

Balance Transfer Interest Rate 14.49% ‐ 24.49% (Variable) (0% for the first 20 months)

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

Cash Advance Interest Rate 25.99% (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.


of each transaction in a Foreign Currency.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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