The U.S. Bank Visa Platinum Card is designed for people looking for a low rate for a long time, rather than superb rewards and benefits.
Cardholders get a 20-month 0% introductory APR for both purchases and balance transfers, one of the longest 0% offers available on a credit card. After that, a variable APR of 12.24%–24.24%.
There are a few extra benefits, including an Auto Rental Collision Damage Waiver and up to $600 in Cell Phone Protection. Special offers and savings are available at select retailers through the Visa Discounts program.
The Visa Platinum card has no annual fee.