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U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card was ranked on Money.com as one of this year's top credit cards. Read more from nationally recognized credit card expert, Jason Steele or see if you qualify by clicking "Apply Now" below.
Best for
saving money on interests
Our Partner
See Rates & Fees | Terms Apply

U.S. Bank Visa® Platinum Card

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Intro Bonus
n/a
Annual Fee
$0
Credit Level
good to excellent
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From
The Expert
Jason Steele
Why Apply?
You'll get 0% APR for 20 billing cycles, pay no annual fee and enjoy a valuable mobile phone protection policy.
I Think You'll Love
Saving money on interest while you pay off your purchases over a period of 20 months.
Pros
  • 20 months of 0% APR financing on purchases and balance transfers. 
  • No annual fee.
  • Free access to your credit score. 
  • Valuable benefits including mobile phone protection.
     
Cons
  • No sign up bonuses.
  • No rewards offered.
ABOUT THIS CARD

About half of all American credit card users carry a balance, and they can all use a break from interest charges. The US Bank Visa® Platinum card currently offers an industry leading 20 months of 0% APR financing on new purchases and balance transfers to give you a break from paying interest while you pay off your balance. 

Otherwise, this is a relatively simple card that offers some valuable benefits, but no rewards such as cash back, or travel rewards points or miles. For example, it comes with a cell phone protection policy that covers damage or theft up to $600 with a $25 deductible, and is limited to two claims ($1,200) per 12 month period. You must pay your cell phone bill with the card every month to be elgible for this benefit. This card also offers you access to your VantageScore® credit score and Score Simulator through the TransUnion's CreditView™ Dashboard. 

It also features a mobile app and is compatible with most mobile wallet services such as Apple Pay, Samsung Pay and Google Pay. There’s no annual fee for this card, but there is a foreign transaction fee of 2% for transactions in US Dollars and 3% for all other foreign currencies. 
 

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4 things informed consumers need to know:
  1. Get enough credit cards to keep the balance on each one below 30% of its limit.
  2. Pay on time, use cards sparingly and keep your accounts open.
  3. Don’t apply for too many cards at once. Do 1 today, again in 6 months, etc.
  4. More cards mean a wider variety of points and benefits.
Jason steele
The Expert
Jason Steele

Analysis is brought to you by nationally recognized credit card expert Jason Steele, who has appeared in publications such as:

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Details and conditions for each credit card offer are available on the online credit card application page. Our team makes reasonable efforts to ensure the information on our page is accurate, but this information is presented without warranty and some of the offers on this page may no longer be available through our site. You can click on the “Learn More” or “Apply Now” button for each credit card offer to continue to the issuer’s web site and review the terms and conditions on their site. Offers, details, and other information is subject to change, and the terms displayed may not be available to all consumers. ConsumersAdvocate has partnered with CardRatings for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.