U.S. Bank Visa® Platinum Card
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Highlights & Features
Balance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | 0% for 18 billing cycles |
| Regular Balance Transfer APR | 14.74%–25.74% Variable |
| Balance Transfer Fee | 3%, $5 minimum |
Fees
| Penalty APR | None |
| Late Fee | Up to $39 |
| Returned Payment Fee | Up to $35 |
| Additional Cards Annual Fee | None |
| Foreign Transaction Fee | 3% |
Cash Advances
Borrowing cash on your credit 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: 26.24% Variable
- Cash Advance Fee: Up to 4%, $20 minimum
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 websiteU.S. Bank Visa® Platinum Card
Highlights
- 0% introductory APR for 18 billing cycles on purchases and balance transfers, then 14.74%–25.74% Variable
- 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
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 18 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.
