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U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card


Rated 4/5 stars by our editorial team

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4.0/5.0 from 1 Offer Rating
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  • Regular Purchase APR 18.24% -28.24% (Variable)
  • Intro Purchase APR 0% intro APR for 18 billing cycles on Purchases
  • Intro BT APR 0% intro APR for 18 billing cycles on Balance Transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 28.24%.
  • 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

Card Fees

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.

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

Cash Advance Fee Either 5% of the amount of each advance or $10 minimum, whichever is greater.

Penalty APR N/A

Ongoing Information

Rewards Rate None

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance Yes

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The U.S. Bank Visa® Platinum Card is a no frills credit card for everyday use. This card offers an intro APR of 0% intro APR for 18 billing cycles on Purchases and 0% intro APR for 18 billing cycles on Balance Transfers. In addition, the card comes with no annual fee with an ongoing APR of 18.24% -28.24% (Variable), based on creditworthiness.

Some protective features that come with this credit card include $0 Fraud Liability in the event of unauthorized transactions, and Fraud Protection that will detect and notify you of unusual card activity. 

The online bill pay feature allows you to track your balance and make payments from anywhere with an internet connection.

Expert Reviews of the U.S. Bank Visa® Platinum Card

  • 4.0

    Regular APR

  • 5.0

    Intro APR

  • 3.0


  • 3.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The U.S. Bank Visa® Platinum Card is a simple low interest credit card with a lengthy intro APR on both purchases and balance transfers. With no annual fee this card is a great option for anyone to low interest rate.

The Good

With 0% intro APR for 18 months, this card is a excellent choice if you're looking to make a big purchase or want to save money by transferring your balance from a high interest credit card

The Not so Good

You will need Excellent/Good Credit to qualify for this offer. If you're looking for a rewards credit card, this isn't the card for you.

Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by U.S. Bank.

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