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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.
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 |
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 |
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 has several card types depending on your needs.
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.