US Bank Visa Platinum Card
in Personal Credit Cards from US Bank
Cast your vote
Would you recommend US Bank Visa Platinum Card to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 13.99% - 24.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 13.99% - 24.99% |
US Bank Visa Platinum Card Review
US Bank Visa Platinum Card is a credit card issued by US Bank. If you're wondering whether US Bank Visa Platinum Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
- Competitive APRs. US Bank Visa Platinum Card has a variable purchase APR of up to 24.99%.
- No annual fee. This is a great options for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. US Bank Visa Platinum Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 3% every time you make a transaction outside the U.S.
- Accepts cosigners. US 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 rental insurance, emergency support, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
|---|---|
|
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Is there a US Bank Visa Platinum Card cash back or rewards program?
No, US Bank Visa Platinum Card does not offer a rewards program.
What are the US Bank Visa Platinum Card benefits?
US Bank Visa Platinum Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Cellular Telephone Protection
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for US Bank Visa Platinum Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Visa Platinum Card has lower than average purchase APRs.US Bank Visa Platinum Card has a variable purchase APR that ranges from 13.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 24.99%. It also has a variable cash advance APR of 25.49% .
Does US Bank Visa Platinum Card have an introductory APR offer on balance transfers?
Yes, US Bank Visa Platinum Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer APR | 13.99% - 24.99% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 18 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
Does US Bank Visa Platinum Card have an introductory APR offer on new purchases??
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 18 |
What are the US Bank Visa Platinum Card fees?
The following fees apply to US Bank Visa Platinum Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $39 |
Does US Bank Visa Platinum Card have a foreign transaction fee?
US Bank Visa Platinum Card charges a foreign transaction fee of 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 a foreign transaction fee.Does US Bank Visa Platinum Card report your account activity to credit bureaus?
US Bank Visa Platinum Card reports your account activity to the following credit reporting agencies:
- 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 can help improve your credit score.
How to apply for US Bank Visa Platinum Card
- Visit the US Bank Visa Platinum Card website.
- 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
Other Services by US Bank
View all personal credit cards offered by US Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 18 months |
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