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 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.

  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.

  • 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: 13.99% - 23.99%* Variable APR

    Cash Advance APR: 23.99%, Variable

  • Balance transfer fee

    3%

  • 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

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0*

Annual Fee

$95

Annual Fee

$0

Regular APR

13.99% - 23.99%* Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

14.99% - 23.74% Variable APR

Intro APR

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

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Rating details

4.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • Cell phone insurance

Cons
  • No rewards

  • Foreign transaction fee

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.