U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

on US Bank's secure website

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

on US Bank's secure website

Card details

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 11.99% - 23.99%

  • Great Offer for Customers of U.S. Bank, a 2018 World's Most Ethical Company® - Ethisphere Institute, February 2018

  • No Annual Fee

  • Flexibility to choose a payment due date that fits your schedule

  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0%* on purchases and balance transfers for 20 billing cycles*

  • Ongoing Apr

    APR: 11.99% - 23.99% Variable APR

    Cash Advance APR: 25.99%, Variable

  • Balance Transfer Fee

    3%

  • Foreign Transaction Fee

    3%

Recommended credit score

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NerdWallet Review

By Robin Saks Frankel

Rating Details

3.6

Editor's overall rating

Pros and Cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

Cons
  • No rewards

  • Needs excellent credit

With nearly two years of interest-free breathing room, the U.S. Bank Visa® Platinum Card could give you the time you need to tackle that big purchase or zap a high balance you’re carrying elsewhere. The annual fee is $0.

If you're considering this card to help manage your debt, make sure to mind the balance transfer fee. The U.S. Bank Visa® Platinum Card charges 3% of the amount being transferred, or $5, whichever is greater. Although there are cards that don't have this charge, they typically have shorter introductory 0% APR periods.

The U.S. Bank Visa® Platinum Card is also one of a handful of cards on the market that comes with cell phone insurance. If you pay your cell phone bill every month with this card, you’ll get coverage for damage or theft up to $600, with a $25 deductible, for up to two claims for a total of $1,200 per 12-month period.

For more information, check out the full review of the U.S. Bank Visa® Platinum Card.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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