Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$75
US Bank LATAM Visa Signature® Card Review
This is a travel card issued by U.S. Bank. If you're wondering whether US Bank LATAM Visa Signature® Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: US Bank LATAM Visa Signature® Card has a variable regular purchase APR that ranges from 15.99% up to 22.99%.
- $0 intro annual fee for the first year. US Bank LATAM Visa Signature® Card gives you the chance to have the card for a year without paying the $75 annual fee.
- A 3% balance transfer fee. US Bank LATAM Visa Signature® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. U.S. Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank LATAM Visa Signature® Card
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US Bank LATAM Visa Signature® Card FAQ
Does US Bank LATAM Visa Signature® Card have a cash back or rewards program?
US Bank LATAM Visa Signature® Card is a travel rewards card.
| Description |
Does US Bank LATAM Visa Signature® Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does US Bank LATAM Visa Signature® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the US Bank LATAM Visa Signature® Card benefits?
US Bank LATAM Visa Signature® Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for US Bank LATAM Visa Signature® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.US Bank LATAM Visa Signature® Card has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .
Does US Bank LATAM Visa Signature® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does US Bank LATAM Visa Signature® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for US Bank LATAM Visa Signature® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $75.
Does US Bank LATAM Visa Signature® Card have a foreign transaction fee?
US Bank LATAM Visa Signature® Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for US Bank LATAM Visa Signature® Card?
The customer service number for US Bank LATAM Visa Signature® Card is (800) 872-2657.
What is the support contact email for US Bank LATAM Visa Signature® Card?
The support contact email for US Bank LATAM Visa Signature® Card is customer.support@usbank.com.
What is the login page for US Bank LATAM Visa Signature® Card?
You can access the login page of US Bank LATAM Visa Signature® Card here.
How do people rate the customer service and user experience of US Bank LATAM Visa Signature® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does US Bank LATAM Visa Signature® Card report your account activity to credit bureaus?
Yes, US Bank LATAM Visa Signature® Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, US Bank LATAM Visa Signature® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for US Bank LATAM Visa Signature® Card
- Visit the website of US Bank LATAM Visa Signature® Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed