US Bank Visa Platinum® Card
in Personal Credit Cards from US Bank
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.24% - 25.24% |
| Balance Transfer APR (Variable APR) | 14.24% - 25.24% |
| Credit Score Range | 700 - 850 |
US Bank Visa Platinum® Card Review
US Bank Visa Platinum® Card is a credit card issued by US Bank.
This card is designed for people with good credit. The minimum credit score to apply is 700. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether US Bank Visa Platinum® Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a US Bank Visa Platinum® Card cash back or rewards program?
No, US Bank Visa Platinum® Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
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
- Fraud Liability
- Cellular Telephone Protection
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for US Bank Visa Platinum® Card?
US Bank Visa Platinum® Card has a variable purchase APR that ranges from 14.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 25.24%.
It also has a variable cash advance APR of 25.74% .
Does US Bank Visa Platinum® Card have an introductory APR offer?
Yes, US Bank Visa Platinum® Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer APR | 14.24% - 25.24% |
| Introductory Rate | 0% |
| Intro APR period (months) | 18 |
| Description | |
|---|---|
| Balance Computation | average daily balance (including new purchases) |
| Purchase APR | 14.24% - 25.24% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | 25.74% |
| Security Deposit | N/A |
| Introductory Rate | 0% |
| 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% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $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.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
Other Services by US Bank
Availability
- 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
| Annual Fee | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 24 |
| Over-Limit Fee | $0 |
| Paper Statement Fee | $0 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Cash Advance Fee (%) | 3% - 4% |
| Cash Advance Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | Up to $39 |
| Minimum Cash Advance Fee ($) | $5 - $10 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $35 |
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