U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

on US Bank's website

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

on US Bank's website

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Card details

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.49% - 27.49%.

  • 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.

  • Choose a payment due date that fits your schedule

  • No Annual Fee

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% intro APR for 18 billing cycles on purchases and balance transfers

  • Ongoing APR

    APR: 17.49%-27.49% Variable APR

    Cash Advance APR: 28.99%

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fee

    2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

17.49%-27.49% Variable APR

Rates & Fees

Regular APR

18.99%-26.99% Variable APR

Regular APR

16.24%-24.24% Variable APR

Rates & Fees

Intro APR

0% intro APR for 18 billing cycles on purchases and balance transfers

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons
  • No rewards

  • Requires good/excellent credit

  • No bonus offer

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.