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 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 Rates for US Bank Visa Platinum Credit Card?

- The US Bank Visa Platinum Credit Card has a rate of 10.49% APR to 18.49% APR 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 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.

  • Minimum Age
    18
  • 0% Introductory APR
  • 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%
  • No Annual Fee
  • Fraud Liability
  • Penalty APR
    28.99%
  • Purchases APR
    10.24% - 18.24%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    10.24% - 18.24%
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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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