Long Intro 0% APR, No Annual Fee

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Regular APR

13.99% – 23.99%

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  • Advantages and disadvantages

  • Details


  • Advantages
    • Long intro APR period for balance transfers and purchases
    • Mobile phone protection
    The inconvenients
    • No reward
    • Balance Transfer Fee
    • Limited time offer!
    • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
    • Get up to $600 in cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your USBank Visa® Platinum credit card. Certain terms, conditions and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No annual fee
    • Terms and conditions of application.

    Conclusion: Is the US Bank Visa Platinum the best credit card for you?

    Using a credit card to earn points, miles, or cash back is a great way to build a reserve of rewards that you can use for travel or for everyday expenses. But if you have big purchases that you can’t afford to pay right away, or you have high-interest balances on other credit cards, you could save even more by opening a card with an introductory offer of 0% APR.

    The US Bank Visa® Platinum card doesn’t come with a sign-up bonus or spending rewards, but it does have one great feature. New cardholders are entitled to a 0% introductory APR on purchases and balance transfers for the first 20 billing cycles (balance transfers must be completed within 60 days of account opening) , followed by an APR of 13.99% to 23.99%.

    Read more: The best credit cards with low interest rates and 0% APR

    As long as you make at least your minimum payment each month, you’ll pay no interest for 20 full billing cycles – that’s one of the longest 0% APR intro periods available on any card credit right now. Whether you’re dealing with a surprise expense like a medical bill or car repair, or want to pay off your current high-interest credit card debt, the U.S. Bank Visa® Platinum Card can give you the room to maneuver you need to achieve your goals.

    Although the card doesn’t offer many benefits, there is one benefit that could potentially save you money. When you use the US Bank Visa® Platinum card to pay your wireless bill, you are eligible for cell phone coverage against damage or theft up to $600 per claim, with a $25 deductible.

    Before choosing the US Bank Visa® Platinum card, keep in mind that there are other credit cards with 0% APR introductory offers that earn rewards. For example, the Citi® Double Cash Card earns you 1% when you make a purchase and 1% when you redeem it, and it comes with a 0% upfront APR on balance transfers for the first 18 months (then 13.99% – 23.99% variable APR).

    Read more: Citi Double Cash Card Review

    Or consider the US Bank Cash+® Visa Signature® card

    , which offers a $200 welcome bonus after spending $1,000 on qualifying purchases within the first 120 days of account opening and earning up to 5% cash back in qualifying categories. New cardholders receive an initial APR of 0% on purchases and balance transfers for the first 15 billing cycles (then a variable APR of 13.99% to 23.99%).

    Comparison: US Bank Visa Platinum vs other US Bank cards

    * US Bank Cash+® Visa Signature® Card 5% cash back category choices are prepaid air travel, hotel stays, and car reservations booked directly through the Rewards Travel Center online portal, fast food restaurants, home utilities, television, internet and streaming services, department stores, electronics stores, cell phone providers, sporting goods stores, furniture stores, movie theaters, gyms and fitness centers , ground transportation and some clothing stores

    US Bank Visa Platinum vs Other Balance Transfer Credit Cards

    Benefits and Features

    The US Bank Visa® Platinum card doesn’t offer benefits like many popular credit cards, but it does come with a few handy features.

    0% introductory APR

    As mentioned, the big draw of the US Bank Visa® Platinum card is its extra-long 0% introductory APR offer. New cardholders are eligible for an introductory APR of 0% on purchases and balance transfers (made within the first 60 days of account opening) for the first 20 billing cycles (then an APR of 13.99% to 23.99%).

    Read more: The best balance transfer credit cards

    Taking advantage of an introductory 0% APR offer can save you a substantial amount of money if you’re otherwise carrying a balance on a high-interest credit card. Just make sure you have the means and a plan to pay off your balance before the introductory period expires or you could find yourself further in debt.

    Mobile phone protection

    When you pay your monthly wireless bill with the US Bank Visa® Platinum Card, you may be covered for cell phone damage or theft, up to $600 per claim with a $25 deductible. To be eligible, you must charge your monthly cell phone bill to your card during the calendar month prior to the month in which the incident occurred.

    Read more: The best credit cards with cellphone protection

    Cardholders are limited to a maximum of two claims per 12 month period. This coverage is secondary to other policies you may have, which may include homeowners, renters, or a separate cell phone.

    Regular APR

    13.99% – 23.99%

    Chevron icon It indicates an expandable section or menu, or sometimes previous/next navigation options.

  • Advantages and disadvantages

  • Details


  • Advantages
    • Long intro APR period for balance transfers and purchases
    • Mobile phone protection
    The inconvenients
    • No reward
    • Balance Transfer Fee
    • Limited time offer!
    • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
    • Get up to $600 in cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your USBank Visa® Platinum credit card. Certain terms, conditions and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No annual fee
    • Terms and conditions of application.

    Fees and costs

    The U.S. Bank Visa® Platinum card has no annual fee, so it’s free in the long run, and in doing so, can potentially help boost your credit score.

    Read more: The best credit cards with no annual fee

    This is not a good card to use abroad, as it adds foreign transaction fees. As with most other cards, there are also fees for balance transfers, cash advances, late payments, and returned payments.

    US Bank Visa Platinum Card — Frequently Asked Questions (FAQ)

    What credit rating do you need for the US Bank Visa Platinum card?

    Usually, most people who are approved for the US Bank Visa® Platinum card have at least a good credit score. This means a FICO score of at least 670 or a VantageScore of at least 700.

    Read more: What is a good credit rating? It depends if you ask for VantageScore or FICO

    If your score hasn’t reached that level yet, read our guides on improving your credit score and how using credit cards can help boost your score.

    Is the US Bank Visa Platinum card worth it?

    If your main goal is to earn rewards, the US Bank Visa® Platinum card is not a good choice because it does not earn any. However, if you are looking for a long 0% APR to save on interest, this can be a very powerful tool.

    Read more: How a credit card balance transfer helped me pay off $5,000 in debt in one year

    Is the US Bank Visa Platinum metal?

    No. The US Bank Visa® Platinum card is made of plastic.

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