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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.
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 14.24%–25.24% 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.