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U.S. Bank balance transfer credit cards
Get a balance transfer intro APR up to 18 months long.
U.S. Bank offers a few cards with rewards and respectable intro APRs, but the U.S. Bank Visa® Platinum Card has an especially long balance transfer intro APR period.
Compare U.S. Bank balance transfer credit cards
Around half of U.S. Bank’s credit cards offer intro APRs.
What are the benefits of a balance transfer with U.S. Bank?
Here’s why U.S. Bank might be the right balance transfer provider for you:
One card has a market-leading purchase and balance transfer intro APR.
The U.S. Bank Visa® Platinum Card offers a 0% intro APR on purchases and balance transfers for the first 18 billing cycles from account opening. After that, the APR will be 14.74% to 25.74% variable.
No annual fees for balance transfer cards.
This can help you pay less overall for your balance transfer.
Most balance transfer cards offer rewards.
The U.S. Bank Cash 365™ American Express® Card is a standout, offering a solid 1.5% cash back on all eligible net purchases. Only the U.S. Bank Visa® Platinum Card doesn’t offer rewards.
What are the drawbacks of a balance transfer with U.S. Bank?
Here’s why you might want to go with another balance transfer provider:
Beyond the U.S. Bank Visa® Platinum Card, balance transfer intro APRs can be short.
You’ll find balance transfer intro APRs between nine and 12 months long — potentially underwhelming when you can easily find 15-month intro APRs elsewhere.
What debts are eligible for a balance transfer with U.S. Bank?
You can transfer…
- Debt from non-U.S. Bank credit cards.
- Select loans, as long as you have account numbers for them.
You can’t transfer…
- Debt from U.S. Bank credit cards.
Can I transfer balances to another U.S. Bank card?
No. This policy is standard across most banks in the US as providers typically offer transfers to attract new customers.
You can apply for a U.S. Bank credit card if you:
- Are at least 18 years old.
- Are a legal resident of the US.
- Have a Social Security number or Individual Taxpayer Identification Number.
What do I need to apply?
Have details like these on hand when you apply for a U.S. Bank credit card:
- Full name
- Email address and phone number
- Mailing address
- Housing status and monthly housing payment
- Social Security number and date of birth
- Employment information and total annual income
How to apply for a balance transfer with U.S. Bank
Choose a U.S. Bank card and check its balance transfer details.
Click Terms and Conditions on the card’s page to check the card’s balance transfer intro APR, ongoing APR and fees.
Apply for the card.
You can request up to five balance transfers as you apply for the card. Consider inputting your requests in order of importance as approval may not be instant.
Wait for your balance transfer to post.
As you wait for your transfer to complete, keep paying your creditors to avoid credit score drops and late fees.
How long will it take to complete a balance transfer with U.S. Bank?
It can take up to two weeks for your balance transfer to complete.
I got the card. Now what?
- Confirm that your balance transfer is complete. Log in to your Online Banking account to see if your balance transfer has posted. You can also call U.S. Bank support.
- Keep up with payments. Consider setting up automatic payments to avoid late fees and, in some circumstances, loss of your intro APR.
- Contact customer service. Call 800-285-8585 if you need assistance with your credit card. You can also tweet the bank @AskUSBank.
U.S. Bank offers a particularly good balance transfer product: the U.S. Bank Visa® Platinum Card. A few of its other products offer rewards and respectable intro APRs.
If you’re not sure a U.S. Bank card is best for your balance transfer, consider cards from other providers like Chase and Barclaycard.
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