Reviews on U S Bank Visaã‚â® Platinum Card

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When it comes to avoiding credit bill of fare interest, the U.S. Banking company Visa® Platinum Card is as adept every bit information technology gets. It has a long 0% intro APR offer that covers purchases and rest transfers. It'south light on benefits elsewhere, though, and it doesn't earn whatsoever rewards. Read our full U.South. Bank Visa® Platinum Bill of fare review to detect out whether this U.S. Bank card is the all-time choice.

U.S. Bank Visa® Platinum Card

Regular APR

14.74% - 24.74% (Variable)

With a 20 billing wheel intro April offer for both balance transfers and purchases, this is 1 of the all-time low involvement credit cards we've come across.
- Long 0% intro Apr offer
- No annual fee
- Cell phone protection
- Free credit score monitoring
- No rewards
- Strange transaction fee
- Limited Time Offer!
- 0% Intro APR on purchases and remainder transfers for 20 billing cycles. After that, a variable APR currently fourteen.74% - 24.74%.
- Get up to $600 protection on your cell telephone (bailiwick to $25 deductible) against covered damage or theft when you lot pay your monthly cellular telephone bill with your The statesBank Visa® Platinum Credit Bill of fare. Certain terms, conditions, and exclusions utilise.
- Cull a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions utilise.

Compared to other top credit cards

This bill of fare: U.South. Bank Visa Platinum
For cash back: Chase Liberty Unlimited®
For cash back and a remainder transfer offer: Detect it® Residue Transfer

Every bit of Apr. 01, 2022


U.S. Bank Visa® Platinum Card	Chase Liberty Unlimited®	Discover information technology® Balance Transfer
Rating prototype, 4.l out of 5 stars. 4.50 stars We want your coin to piece of work harder for you. Which is why our ratings are biased toward offers that evangelize versatility while cutting out-of-pocket costs.	Rating prototype, v.00 out of v stars. 5.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cut out-of-pocket costs.	Rating image, v.00 out of 5 stars. v.00 stars We want your coin to piece of work harder for y'all. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Apply Now for U.S. Banking company Visa® Platinum Carte du jour On U.S. Banking concern's Secure Website.	Use At present for Chase Liberty Unlimited® On Hunt's Secure Website.	Employ At present for Discover it® Remainder Transfer On Discover's Secure Website.
	Read Full Review	Read Full Review
Rates & Fees		Rates & Fees
Credit Rating Requirement: Skillful/Fantabulous (670-850)	Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Good/Splendid (670-850)

Welcome Offer: N/A	Welcome Offering: Earn an boosted one.5% cash dorsum	Welcome Offer: Cashback Lucifer

Rewards Plan: Northward/A	Rewards Program: 1.5% - five% greenbacks back	Rewards Program: 1% - 5% Cashback

Intro APR: Purchases: 0% Intro on purchases, 20 billing cycles Balance Transfers: 0% Intro on balance transfers, twenty billing cycles	Intro APR: Purchases: 0%, xv months Balance Transfers: 0%, xv months	Intro APR: Purchases: 0% Intro APR, 6 months Balance Transfers: 0% Intro Apr, 18 months

Regular Apr: fourteen.74% - 24.74% (Variable)	Regular April: xiv.99% - 23.74% Variable	Regular Apr: 12.24% - 23.24% Variable Apr

Annual Fee: $0	Almanac Fee: $0	Annual Fee: $0

Highlights: Express Fourth dimension Offer! 0% Intro APR on purchases and residue transfers for 20 billing cycles. After that, a variable APR currently 14.74% - 24.74%. Get up to $600 protection on your jail cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular phone bill with your U.South.Bank Visa® Platinum Credit Carte. Certain terms, atmospheric condition, and exclusions apply. Choose a payment due date that fits your schedule No Almanac Fee Terms and conditions apply.	Highlights: INTRO OFFER: Earn an additional i.5% greenbacks back on everything you lot buy (on up to $20,000 spent in the first twelvemonth) - worth upward to $300 cash back! Bask 6.five% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets y'all redeem rewards for cash dorsum, travel, gift cards and more; 4.5% cash dorsum on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first yr). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, three% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.five% cash back on all other purchases. No minimum to redeem for greenbacks back. You lot tin can choose to receive a statement credit or direct deposit into about U.S. checking and savings accounts. Greenbacks Back rewards do non elapse as long as your account is open! Bask 0% Intro APR for xv months from account opening on purchases and residuum transfers, and then a variable Apr of fourteen.99% - 23.74%. No annual fee – Yous won't have to pay an annual fee for all the corking features that come up with your Liberty Unlimited® menu Go along tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to yous	Highlights: INTRO OFFER: Unlimited Cashback Match – only from Find. Detect will automatically lucifer all the cash back you've earned at the terminate of your commencement yr! In that location'southward no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn v% cash dorsum on everyday purchases at dissimilar places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you actuate. Plus, earn unlimited ane% cash back on all other purchases – automatically. Redeem greenbacks back any amount, any fourth dimension. Rewards never expire. Go your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. No almanac fee. Discover is accepted nationwide by 99% of the places that take credit cards. Click "Employ NOW" to come across rewards, FICO® Credit Score terms, Cashback Friction match™ details & other information.
Apply Now for U.S. Bank Visa® Platinum Card On U.S. Banking concern'south Secure Website.	Utilize Now for Chase Freedom Unlimited® On Chase's Secure Website.	Apply Now for Detect information technology® Residue Transfer On Find's Secure Website.
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Full U.Due south. Banking company Visa Platinum review

This credit card is a adept fit for: Consumers who demand as much fourth dimension as they tin can get to pay down big purchases or credit card debt with a 0% intro APR.

Summit perks

The highlight of the U.South. Bank Visa® Platinum Card is a lengthy 0% Apr offering, and the carte du jour issuer has rounded information technology out with some proficient extras.

0% intro APR on purchases for xx billing cycles

This bill of fare's 0% intro APR on purchases applies to the commencement twenty billing cycles, so information technology covers over a year and a half of credit card statements. Even compared to other top 0% Apr credit cards, that'south a great offer. It'southward ideal if you need to finance costly purchases and make payments on them. With this U.S. Bank card, you'll have plenty of fourth dimension to do that without paying credit bill of fare interest.

0% intro APR on balance transfers for 20 billing cycles

The U.S. Banking company Visa® Platinum Carte has an equally impressive 0% intro April offer on rest transfers. This is one of the longest offers amid all balance transfer credit cards, and so this card is equally useful for paying off credit carte du jour debt. Transfers must be made within 60 days of account opening to authorize.

No annual fee

If you're trying to save money with a 0% APR offer, you probably don't want to incur any extra fees. This is a no annual fee credit card, which is another reason it'due south perfect for saving money.

Cellphone protection

You don't need to buy cellphone insurance or exit your phone at risk when you have this credit card. If y'all pay your cellphone bill with your U.S. Bank Visa® Platinum Menu, then your telephone will be insured against impairment or theft for up to $600. The limit is two claims of up to $one,200 total per 12-month period. A deductible of $25 per claim applies.

Continue in mind that this is secondary insurance. If you already accept an insurance policy that covers your cellphone, you need to make a merits through that kickoff.

Complimentary credit score

Yous'll have a gratis credit monitoring tool at your fingertips. TransUnion'southward CreditView™ product is available through U.S. Bank's online banking site and provides yous with your VantageScore.

This service is convenient and shows you if your credit is headed in the right direction. Withal, information technology'due south worth mentioning that the most widely used type of credit score is your FICO® Score. VantageScore isn't nearly as popular among lenders.

What could be improved

Before you apply for the U.Due south. Bank Visa® Platinum Menu, you should know about the areas where information technology could improve.

No rewards

The nearly glaring issue with this card is that it doesn't offer buy rewards. It's purely an intro 0% APR card. If you want to earn cash back or points on your spending, and then you lot'd demand to look at rewards credit cards. Some of them have 0% intro April offers of their own, although they don't last as long as this U.S. Bank offer.

Balance transfer fee

U.Due south. Bank charges a balance transfer fee of three% with a $five minimum. That can add upward when using balance transfers to pay off debt. To be off-white, just about every remainder transfer carte du jour charges this type of fee.

Find the all-time credit menu for your needs

Compare credit carte rewards, fees, APRs, and more than using our side-past-side comparing tool.

Suggested credit score

To accept the highest chance for approving for the U.S. Bank Visa® Platinum Menu, you should have a FICO® Score of 670 or higher. Some applicants tin secure approval with a lower score, only having a higher score only improves your chances. U.S. Bank tends to be selective nigh who information technology approves for this credit carte du jour. In add-on to your credit score, U.Due south. Banking concern volition also await at a variety of factors, such as your income and whatsoever debts you accept, to make its determination.

The U.S. Bank Visa Platinum is right for you if:

You need a 0% intro April for equally long as possible on either purchases or balance transfers. That'southward where the U.S. Bank Visa® Platinum Carte du jour outdoes about every other credit card. Whether you have a large purchase (or several purchases) that you need to pay off over fourth dimension or debt to refinance, twenty billing cycles gives you lot enough of time to repay everything.

Before you apply, information technology'south a expert idea to estimate how long you'll really need to pay off your debt. A credit card interest calculator can assist with this. If you need 18 months or less, then y'all may desire to look at other top credit cards that have shorter 0% intro APR offers, but also offer more benefits, such as rewards and sign-upward bonuses.

FAQs

Anecdotal data from cardholders suggests that credit limits for the U.S. Bank Visa® Platinum Bill of fare range from $500 up to $xx,000. U.S. Bank does non publish credit limits for this carte du jour.
Yes, the U.S. Bank Visa® Platinum Card charges foreign transaction fees. The blazon of purchase determines the foreign transaction fee percentage:
- 2% of each foreign transaction in U.S. dollars
- 3% of each foreign transaction in a foreign currency
This card is easiest to get for applicants with proficient to excellent credit. That means a credit score of at to the lowest degree 670. Some reports indicate that larger credit limits crave higher credit scores.

The Motley Fool owns shares of and recommends Visa.

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Source: https://www.fool.com/the-ascent/credit-cards/us-bank-visa-platinum-review/