U.S. Bank Visa Platinum Returns to 20-Month 0% Intro APR Period

The U.S. Bank Visa Platinum Card's new intro APR offer is among the longest you'll find on the market.
Melissa Lambarena
By Melissa Lambarena 
Edited by Kenley Young
U.S. Bank Visa Platinum Returns to 20-Month 0% Intro APR Period

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The offer described in this article is no longer available. See our details page for the U.S. Bank Visa® Platinum Card for the current offer.

As of July 8, 2021, both new purchases and balance transfers on the Citi Simplicity® Card have a 0% introductory APR for 18 months.

The U.S. Bank Visa® Platinum Card has yo-yoed back to a longer interest-free period on purchases and balance transfers.

New cardholders can now get an introductory 0% APR period that lasts 20 billing cycles for purchases and balance transfers. Compared with the previous offer, that’s an extra two months to finance a large purchase or pay down debt. The balance transfer fee is unchanged: 3% of the amount transferred or $5, whichever is greater. Exact terms of the current offer: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% Variable APR.

Over the past year, the $0-annual-fee card has flip-flopped between an 18-month and a 20-month 0% introductory APR period for purchases and balance transfers. A handful of other cards offer 18-month intro APR periods, but 20 months at 0% is among the longest offers you'll find on the market.

The Citi Simplicity® Card, for example, does offer a longer intro APR period on balance transfers, but its intro period on purchases is much shorter. It features an intro APR of 0% on purchases for 12 months and an intro APR of 0% on balance transfers for 21 months.

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