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U.S. Bank Visa® Platinum Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable) (0% for the first 24 months)
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable) (0% for the first 24 months)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 24 months)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 24 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
-


8.5/10
Informr score
The U.S. Bank Visa® Platinum Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 23 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...


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. Transferring a b...

- John S Kiernan, WalletHub
Bankrate
Bankrate

Getting a head start on your debt can be easier with a lengthy intro APR period, and the U.S. Bank Visa® Platinum Card is a prime choice if you need as much breathing room as possible while paying off your balance and upcoming expenses.

- Garrett Yarbrough, Bankrate
The Balance
The Balance

There aren’t many noteworthy perks beyond the introductory 0% APR promotion. But if you use your card to pay your cellphone bill, each phone on the account will be covered against damage and theft.

- Lindsay VanSomeren, Michael Rosenston, The Balance
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
Money Crashers
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

Details


Interest Rates
Regular APR Interest Rate 14.74% ‐ 24.74% (Variable) (0% for the first 24 months)

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

Balance Transfer Interest Rate 14.74% ‐ 24.74% (Variable) (0% for the first 24 months)

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

Cash Advance Interest Rate 26.24% (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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