Features

Who is the US Bank Visa Platinum Credit Card Designed For?

The US Bank Visa Platinum Credit Card is designed for people with good to excellent credit who want a card with a long 0% APR intro rate and competitive interest rates that doesn't have an annual fee. The card does not offer rewards so it is not a good option for people looking to earn miles, cashback or points from their purchases.

What are the Interest Rates for US Bank Visa Platinum Credit Card?

- The US Bank Visa Platinum Credit Card has an APR of 10.49% to 18.49% on purchases and balance transfers. Cash advances have a 24.49% APR. There isn't a penalty rate and new customers get a generous 12-month 0% APR intro rate on balance transfers and new purchases. Notice there is a balance transfer fee to pay, which does bring up the actual cost of transferring your balance from another card.

What Are the Fees for the US Bank Visa Platinum Credit Card?

The US Bank Visa Platinum Credit Card doesn't have an annual fee, but there is an overlimit fee up to $39. The card does charge a 3% fee (minimum of $5) on balance transfers and a 4% fee ($10 minimum) on cash advances. Late payments incur a $39 fee, retuned payments trigger a $35 fee and foreign transactions have a 3% fee (2% if the foreign transaction was in U.S. Dollars).

What Is US Bank Visa Platinum Credit Card Rewards Program Like?

The US Bank Visa Platinum Credit Card doesn't have a rewards program. Although it does carry some generous shopping and travel benefits.

What about US Bank Visa Platinum Credit Card Signup Bonus?

The US Bank Visa Platinum Credit Card does not have a signup bonus, although some customers may consider the 12-month 0% APR intro rate incentive enough to apply.

Does US Bank Visa Platinum Credit Card Have Any Other Benefits?

The US Bank Visa Platinum Credit may not have a rewards program but it does provide cardholders with useful travel and shopping benefits. For instance, it includes auto rental collision damage waiver, travel and emergency assistance services, extended warranty protection (an extra year on the warranty), and a warranty manager service. The warranty manager service allows you to register the warranty information of all your purchases, so you can process a repair or replacement claim by just making a call.

How Is US Bank Visa Platinum Credit Card Better Than Other Credit Cards?

The US Bank Visa Platinum Credit Card provides all the shopping and travel perks of a prime card without charging an annual fee. It also includes a 0% APR intro rate of 12 months and competitive interest rates. It doesn't have a rewards program, but it's ideal for people who either don't spend enough to justify the annual fee of prime travel cards or just don't want the hassle of playing the miles and points credit card game.

  • Card Type
    Balance Transfer
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $39
  • Minimum Interest Charge
    $2
  • Over-Limit Fee
    $39
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    28.99%
  • Purchases APR
    10.24% - 18.24%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    10.24% - 18.24%
js-table-filter bizname-business-edge-select-rewards-card
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0
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12.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
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js-table-filter credit-required-116

  • Airlines
  • Every Purchase
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
070
js-table-filter bizname-us-bank-flexperks-business-edge-rewards-card
js-table-filter airlines-140
55
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
12.24
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Every Purchase
  • Gas
  • Points
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $55
Card Type Travel
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
043
js-table-filter bizname-us-bank-flexperks-business-travel-rewards-visa
js-table-filter airlines-140
55
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Gas
  • Points
  • Travel
Annual Fee $55
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-us-bank-flexperks-business-select-rewards-visa
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-skypass-visa-business-card
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Every Purchase
  • No Foreign Transaction Fee
Annual Fee $75
Card Type Travel
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
058
js-table-filter bizname-us-bank-business-platinum-visa-card
0
js-table-filter ccard-type-137
10.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 10.24%
Balance Transfer APR 10.24%
048
js-table-filter bizname-business-edge-cash-rewards-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
12.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • Gas
  • No Annual Fee
  • 0% Introductory APR
Card Type Cash Back
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
058
js-table-filter bizname-flexperks-business-edge-travel-rewards
js-table-filter airlines-140
55
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
12.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Every Purchase
  • Gas
  • Points
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $55
Card Type Travel
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
148
js-table-filter bizname-us-bank-business-edge-select-rewards-card
js-table-filter airlines-140
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
12.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Every Purchase
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
058
js-table-filter bizname-us-bank-business-edge-platinum
0
js-table-filter ccard-type-137
10.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 10.24%
Balance Transfer APR 10.24%
058
js-table-filter bizname-us-bank-club-carlson-business-rewards-visa-designed
60
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Annual Fee $60
Card Type Rewards
Purchases APR 13.99%
040
js-table-filter bizname-us-bank-ace-rewards-visa-business-visa-card
0
js-table-filter ccard-type-136
js-table-filter points-137
13.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% to 22.99%%
000
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If you have great credit, you're rewarded with a super-low APR. If your credit is just decent, your APR is higher but not bad. But if you miss a payment or your payment is returned from the bank, you will get kicked in the butt with fees.


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