U.S. Bank Visa Platinum Again Extends 0% Intro APR to 20 Months

The U.S. Bank Visa Platinum already offered one of the longest 0% APR periods on the market. It just got better.
Melissa Lambarena
By Melissa Lambarena 
Edited by Kenley Young
U.S. Bank Visa Platinum Again Extends 0% Intro APR to 20 Months-story

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This offer is no longer available so this article is out of date. For up-to-date information on the U.S. Bank Visa® Platinum Card, check out NerdWallet's review.

One of the longest 0% introductory APR periods you can find among credit cards is back.

The U.S. Bank Visa® Platinum Card is now offering an intro 0% APR for 20 months. That's two months longer than the card's previous offer of 18 months on both purchases and balance transfers, which was already one of the lengthiest around. In fact, the U.S. Bank Visa® Platinum Card had already won NerdWallet's 2020 award for Best 0% Intro APR Credit Card even before the change.

It's not the first time the card has bounced back and forth between 18 and 20 months. It rolled out a similar 20-month offer in April 2019 before trimming it back again.

The card's balance transfer fee remains the same: 3% of the amount transferred or $5, whichever is greater. It doesn't earn rewards, but it does offer the relatively rare perk of cell phone insurance. And its annual fee is also still $0.

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