U.S. Bank Visa® Platinum Card


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.

Card Quick Facts

Card Quick Facts

  • 20-month 0% intro APR for purchases and balance transfers
  • Savings at various retailers through Visa Discounts
  • Travel and shopping protections
  • Cell Phone Protection
  • Free VantageScore based on your TransUnion credit report
  • No annual fee

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee None
Additional Cards Annual Fee -
Regular Purchase APR 11.74%–23.74% Variable
Intro Purchase APR 0% for 20 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 20 months, for transfers made within 60 days
Regular Balance Transfer APR 11.74%–23.74% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.74% Variable
Cash Advance Fee Up to 4%, $20 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free VantageScore Credit Score

    Check your VantageScore for free anytime, based on your TransUnion credit report.

  • Visa Discounts

    Discounts and offers at a variety of online and in-store retailers.

  • $0 Fraud Liability

    You won’t be held responsible for unauthorized transactions.

  • Fraud Protection

    Proactively monitors your account for fraudulent activity.

  • Cell Phone Protection

    Covers damage and theft of cell phones up to $600, when the phone bill is paid with this card.

  • Extended Warranty Protection

    Eligible manufacturer’s warranties of 3 years or less can be doubled, up to one additional year.

  • Travel and Emergency Assistance Services

    Provides help coordinating medical, legal, and travel services when you’re away from home.

  • Auto Rental Collision Damage Waiver

    Coverage against damage and theft of eligible rented vehicles when you decline the rental company’s own insurance.

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