U.S. Bank Visa Platinum Card review | finder.com
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U.S. Bank Visa® Platinum Card review

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A no-annual-fee credit card with one of the longest intro APR periods on balance transfers and purchases.

finder.com’s rating: 4.8 / 5


  • Get this card if you want the longest intro APR period on purchases and balance transfers.
  • Pick something else if you want cash back.
  • Apply with an excellent credit score of 740 or higher.


Annual fee


Intro purchase APR

for the first 20 months (then 14.49% to 24.49% variable)


Intro balance transfer

for the first 20 months (then 14.49% to 24.49% variable)

14.49% to 24.49%

Balance transfer APR (variable)


Annual fee$0
Welcome OfferN/A
Purchase APR0% intro for the first 20 months (then 14.49% to 24.49% variable)
Balance transfer APR0% intro for the first 20 months (then 14.49% to 24.49% variable)
Recommended minimum credit score740

Expert review


Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The perk that sets the U.S. Bank Visa® Platinum Card apart from the competition is its incredibly long intro APR period on balance transfers and purchases. And if your credit history is one to envy, you could get a low APR after the intro period passes.
Best of 2021
Finder experts pick U.S. Bank Visa® Platinum Card as a 2021 best product for credit cards.

How to apply for the U.S. Bank Visa® Platinum Card

  1. Go to the U.S. Bank website and find the U.S. Bank Visa® Platinum Card from the list of cards, then click Apply now.
  2. Complete the application form with your personal information.
  3. Review and submit your application.

How long will it take to get my U.S. Bank Visa® Platinum Card?

Automated preapproval means you’ll likely get a decision within a minute. If additional information is needed, U.S. Bank will send you a response within a few business days to a few weeks.

Once approved, expect your card to arrive in the mail within seven to 10 business days.

The perks

  • Intro APR period. Enjoy a 0% intro APR period on purchases and balance transfers for an incredible 20 months following your account opening. After that, the rate reverts to a variable APR of 14.49% to 24.49%. This is one of the longest intro APR periods you can get with a credit card.
  • No annual fee. You’ll pay no fee to own this card.

You’ll also like …

  • Cell phone protection. When you pay your cell phone bill with your card, you get coverage for your phone from damage or theft up to $600, with a $25 deductible. You can make up to two claims for a total of $1,200 in a 12-month period.
  • No penalty APR. Don’t worry if you make a late payment — you’ll only pay a penalty fee and not a penalty APR. Other cards have penalty APRs up to 30% that may apply as soon as you make a late or returned payment and can last indefinitely.
  • Free TransUnion credit score. Enroll in online banking to obtain your TransUnion score for free.
  • Choose your own due date. Get payment flexibility by choosing your due date.
  • Digital wallet. Your card is compatible with Apple Pay, Samsung Pay, Google Pay, Microsoft Wallet, Fitbit Pay, Garmin Pay and Visa Checkout.

Compare 0% intro APR cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

Compare up to 4 providers

What to watch out for

  • No signup bonus. Most credit cards offer a signup bonus after you meet certain criteria. Unfortunately, this card doesn’t have one.
  • Balance transfer limits. Make sure you transfer your balances within 60 days of card membership. Otherwise, you won’t get the intro APR period on balance transfers.
  • Potentially high APR. If you have a weak credit history, you may be given an interest rate up to 24.49% variable. That’s high, considering the average APR is around 16%.
  • Foreign transaction fees. With each transaction you make abroad, you’ll pay a fee for payments made in US dollars and a 3% fee for foreign currency payments.

How does a balance transfer work with this card?

To get the 0% intro APR period on balance transfers for the first 20 months following your account opening, make your transfers within 60 days of card membership. After the intro period passes, or if you make transfers after your first 60 days, a variable APR of 14.49% to 24.49% will apply.

Each balance transfer will cost you $5 or 3% of the transaction, whichever is greater. This means a balance transfer of $3,000 will cost $90 in fees.

What should I know before I apply?

To apply for this card, you must be a US resident and at least 18 years old.

You’ll need to provide the following information:

  • Your full name and contact information.
  • Your residential status.
  • Your annual income and employment information.
  • Your Social Security number.

What credit score do I need?

Apply with an excellent credit score of 740 or higher. If you have an excellent credit score and low utilization, you may get a low APR and high credit limit.

U.S. Bank Visa® Platinum Card reviews and complaints

The Better Business Bureau (BBB) has accredited U.S. Bank since 1970 and gives it a B rating. Most negative feedback on the BBB website revolves around poor customer service and issues with legitimate transactions being marked as fraudulent. Some customers claim that when they used their credit card outside of their home area, U.S. Bank marked these charges as fraudulent and locked the card from further use.

Many card users were happy with the long intro APR period and the low APR they received after that. Not all customers got a low APR though, and said they wouldn’t be using the card anymore because of that.

I got the card. Now what?

  • Download the U.S. Bank mobile app. Through the app, you can monitor your account, pay your bills and contact customer support. If you also bank with U.S. Bank, you can use the app to deposit checks, send money, find an ATM and more.
  • Avoid interest. You have a grace period between 24 and 30 days. If you pay your balance on time, you won’t pay interest on your purchases.
  • Avoid fees. For late payments, you’ll pay up to $40. Returned payments cost up to $40. Balance transfers and cash advances also come with fees.
  • Contact customer service. Call U.S. Bank at 1-800-872-2657 with any questions you may have, or contact them online or through the U.S. Bank mobile app.

Bottom line

If you have a great credit history and you usually carry your balance — or if you want to make a balance transfer from another non-U.S. Bank account — this could be an ideal card for you. And after your intro period ends, you may get a low APR.

Even if your credit history isn’t perfect, you can still make use of the long intro APR period and may be able to improve your credit score in the process.

If you’re not sure this is the right card for you, check out other cashback or balance transfer credit cards and compare your options to find the best one for your unique situation.

Frequently asked questions

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Images: USBank.com

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    Default Gravatar
    July 5, 2018

    Is there a transfer fee?

      Avatarfinder Customer Care
      July 10, 2018

      Hi Joy!

      Thanks for contacting finder.

      There is a balance transfer fee for this card, however, there is a condition of either 3% of the balance transfer amount of each transfer or $5 minimum, whichever is greater.

      Hope this helps!


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