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 0% introductory APR for 20 billing cycles on both purchases and balance transfers, one of the longest 0% offers available on a credit card. After that you’ll get APRs of 14.74%–25.74% Variable.
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 U.S. Bank Visa Platinum card has no annual fee.