Last Updated: 05/14/2026
SuperMoney User Recommendation Score +88
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.74% - 26.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.99% - 23.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 20 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 20 months.
- APRs: US Bank Visa Platinum Card has a variable regular 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.
- A 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 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, identity theft protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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 20 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.99% - 23.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 20 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 20 months.
What are the fees for US Bank Visa Platinum card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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 Visa Platinum card?
The customer service number for US Bank Visa Platinum card 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.
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 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 Visa Platinum 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 Visa Platinum card
- Visit the website of US Bank Visa Platinum 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
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Other Credit Cards from U.S. Bank
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$85
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0 - $95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
US Bank Visa Platinum Card Community Reviews
Would you recommend US Bank Visa Platinum Card to your friends?
AB
Amanda B.
Jun 9, 2022
May or may not recommend
Yes if I get it and have a great experience with it yes I'll refure friends....
VH
Victoria H.
Aug 20, 2021
May or may not recommend
U.S bank is the first service I used as a credit service, and I have been with them since 2012. In all that time they always had quick service. I joined the military and have had to move multiple times and they helped me quickly and easily change my information. They also have always had amazing customer, I have never once had someone get upset with me when I didn't ...Show More
GL
Grace L.
Aug 14, 2021
May or may not recommend
This is a good credit card to have if you have multiple cards. It offers auto rental collision damage waiver. The Theft Protection gets up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft.
GW
Gabrielle W.
Aug 1, 2021
May or may not recommend
I have so many Visa cards because they all work so well and have different features like this one. I've been working on my credit and this card really helps me. I know that even when I'm short on money that I can rely on this card to not run me dry and mess up my credit.
SC
Shoane C.
Jul 3, 2021
May or may not recommend
I have used this bank and this card about three years ago, and they showed me nothing but excellent service. This Bank has alot of offers especially if you just now opening up a account with them. There was no bad experience with them, however, they closed so that is why I no longer use this bank are this card anymore. US Bank Visa Platinum Card Personal Credit Card helps ...Show More
SL
Serise L.
Jun 20, 2021
May or may not recommend
I was looking for a credit card that would be convenient to have, without a lengthy application process. I already bank with US Bank, so getting this credit card made plenty of sense. I can see all of my accounts in the US Bank app, and US Bank is very good about ongoing credit line increases without requiring me to call and ask. I got my first increase only a ...Show More
HM
Hilda M.
Aug 8, 2020
May or may not recommend
I found this bank weird. I don't know how to explain it.
Miron L.
Dec 12, 2019
May or may not recommend
One of the longest no interest intro periods available. This card has the added benefit of allowing co-signors. Definitely one of the best options if you are looking for a credit card to finance a major purchase.
Showing 8 of 8 reviews
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