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

Card details

  • 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.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR

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

  • Ongoing APR

    APR: 14.74% - 25.74% Variable APR

    Cash Advance APR: 26.24%, Variable

  • Balance transfer fee


  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Robin Saks Frankel

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No rewards

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

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