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U.S. Bank Visa® Platinum Card

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With no rewards program or signup bonus, this card offers one of the longest 0% intro APR periods for both purchases and balance transfers on a credit card. For no annual fee, you’ll also get a more uncommon, but handy benefit: up to $600 in Cell Phone Protection.

Our rating
Min. credit level: Good
Annual Fee: $0*
Regular APR: 14.49% - 24.49%* Variable
Intro Balance Transfer APR: 0%* intro on BTs for 20 billing cycles on balance transfers*
Intro Purchase APR: 0%* for 20 billing cycles on purchases

U.S. Bank Visa® Platinum Card

Our rating
Good Min. credit level
$0* Annual Fee
Apply Now Read Our Review

Highlights & Features

(Rates & Fees)

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0%* intro on BTs for 20 billing cycles on balance transfers*
Regular Balance Transfer APR 14.49% - 24.49%* Variable
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
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
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.99%
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
U.S. Bank Visa® Platinum Card


(Rates & Fees)
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
  • Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
  • 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.

U.S. Bank

U.S. Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-872-2657 or

Try a different phone number
See all Issuer Cards

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 purchases on both purchases and balance transfers, one of the longest 0% offers available on a credit card. After that you’ll get APRs of 14.49% - 24.49%* 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.

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