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US Bank Visa Platinum Card
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| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) |
16.74% - 26.74% (Verified 08/16/2022) |
| Balance Transfer APR (Variable APR) | 13.99% - 23.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 8 |
US Bank Visa Platinum Card Review
This is a card issued by U.S. Bank. If you're wondering whether US Bank Visa Platinum card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 20 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 20 months.
- Competitive APRs. US Bank Visa Platinum Card has a variable purchase APR that ranges from 16.74% up to 26.74%.
- No annual fee*. This is a great option 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 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 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 rental insurance, emergency support, identity theft protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of US Bank Visa Platinum card
| The Good | The Bad |
|---|---|
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US Bank Visa Platinum card FAQ
Does US Bank Visa Platinum card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the US Bank Visa Platinum card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Cell Phone 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance.US Bank Visa Platinum Card has a variable purchase APR that ranges from 16.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 28.24% .
Does US Bank Visa Platinum card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 20 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 20 months |
| Balance Transfer APR | 13.99% - 23.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does US Bank Visa Platinum card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 20 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 20 months.
What are the fees for US Bank Visa Platinum card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for US Bank Visa Platinum card?
The US Bank Visa Platinum card customer service number is (800) 872-2657.
What is the support contact email for US Bank Visa Platinum card?
The support contact email for US Bank Visa Platinum card is customer.support@usbank.com.
What is the US Bank Visa Platinum card login page?
You can access the US Bank Visa Platinum card login page here.
How do people rate the customer service and user experience of US Bank Visa Platinum card?
Overall, US Bank Visa Platinum card is strongly recommended based on community reviews that rate customer service and user experience.
Does US Bank Visa Platinum Card report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 20 months |
US Bank Visa Platinum Card Community Reviews
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