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.
U.S. Bank Visa® Platinum Card
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 |
Fees
| Penalty APR | N/A |
| Late Fee | Up to $40 |
| Returned Payment Fee | Up to $35 |
| 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 |
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 | 4%, $10 minimum |
U.S. Bank Visa® Platinum Card
Highlights
(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 2020 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.
ABOUT THE ISSUER
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 websiteThe 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.
