0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.74% - 25.74%
Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
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.
Rates, fees & offers
0%* on purchases and balance transfers for 20 billing cycles*
APR: 14.74% - 25.74% Variable APR
Cash Advance APR: 26.24%, Variable
Balance transfer fee
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
No annual fee
Intro APR period on Purchases and Balance Transfers
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.
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.